# SwipeCaddy: Which Card to Use — Cash back, points & miles > Credit card rewards optimizer for everyday spending, prioritizing user wallet and privacy. (iPhone/iPad app by Const Agility, LLC.) - Source: https://appshunter.io/ios/app/swipecaddy-which-card-to-use/id6791133361 (this page in markdown: same URL + `.md`) - Developer: [Const Agility, LLC](https://appshunter.io/developer/1654324420) - Category: Finance, Shopping - Price: Free - Rating: 5.00/5 from 3 App Store ratings · 1 written reviews indexed - Age rating: 17+ - Requires: iOS 16.4 · 72 MB - Languages: American English - Released: 2026-07-20 - Data updated: 2026-09-01 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/swipecaddy-which-card-to-use/id6791133361/reviews.md ## What is SwipeCaddy? Which credit card should you use at Costco, the gas station, or dinner tonight? SwipeCaddy answers instantly: it knows the reward rates of the major US credit cards and hands you the best one from YOUR wallet. No bank linking. No card numbers. Ever. Just pick the cards you carry and SwipeCaddy does the math. FOUR WAYS TO GET AN ANSWER • SWIPE SPOT — one tap names the store you're standing in AND the card in your wallet to pay with. No searching, no typing, no map. (Pro — everyone gets three free taps) • WHERE ARE YOU PAYING? — pick a store or a spending category and get the answer instantly. • NEARBY — a map of the stores around you, each tagged with the best card in your wallet, before you reach the door. • SWIPE SCOPE — point your camera down the street and see the best card for each storefront in view. (Pro) And when you'd rather not open the app at all, SWIPE SIGNAL sends a best-card alert the moment you arrive at a store. (Pro, in beta) WHY SWIPECADDY • YOUR WALLET, YOUR CARDS — choose from the popular US credit cards and rank only what you actually carry. • CASH BACK, POINTS & MILES — every card is ranked on real cash value with conservative point valuations, so 5x points and 3% cash back finally compare fairly. • FINE PRINT, HANDLED — rotating quarterly categories, spend caps, portal-only offers, and store network rules (like warehouse clubs that only accept one card network in store) are built into every recommendation. • YOUR WALLET, YOUR PLACES — mark cards "Have it" or "Want it", and save the stores and categories you check most. • WORKS OFFLINE — recommendations load even with no signal at the register. • ENGLISH & SPANISH — completamente bilingüe. • DESIGNED FOR iOS 26 — built with Liquid Glass, and it respects Reduce Transparency. DATA YOU CAN TRUST Reward rates rot — cards retire, categories rotate, rates change quietly. SwipeCaddy's database is verified against issuer pages and refreshed weekly, with verification dates published at swipecaddy.com. When the rates change, your answer changes. FREE TO USE SwipeCaddy is free, supported by non-personalized ads. Start as a guest with up to 3 cards — no account required. Sign in free with Apple or Google to keep up to 5 and sync them across your devices. SwipeCaddy Pro removes the ads, unlocks unlimited cards, and adds unlimited Swipe Spot plus Swipe Scope and Swipe Signal. PRIVATE BY DESIGN • The recommendation engine runs entirely on your phone — the ranking never leaves your device. • We never ask for card numbers, logins, or bank access. • As a guest, nothing leaves your phone. Sign in and we save which cards you picked so you can restore them on a new phone — never card details. • Swipe Spot reads your location only when you tap it. • No tracking, and ads are non-personalized. • We don't take referral commissions from card issuers, so the recommendation answers to you — not to whoever pays the most. Questions, or a rate that looks off? Email hello@swipecaddy.com — a human reads every message. SwipeCaddy — The right card, handed to you. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://www.swipecaddy.com/privacy ## Key features - Instant best card recommendations - Cash back, points, and miles comparison - Handles card reward fine print - Offline functionality - Privacy-focused design - Supports English and Spanish ## Recent user reviews (1 of 1) All indexed reviews: https://appshunter.io/ios/app/swipecaddy-which-card-to-use/id6791133361/reviews.md ### 5/5 — Simple easy to maximize reward$$$ *2026-08-14* Have been using this app for a few weeks now and i can already see it can help push rewards $$$ north by 2-3% for sure. If do the math it quickly adds up to a lot. ## Frequently asked questions about SwipeCaddy ### Does SwipeCaddy have ads? Yes, SwipeCaddy is supported by non-personalized ads. The Pro version removes these advertisements. ### What is the cost of SwipeCaddy? SwipeCaddy is free to use. There are optional in-app purchases for SwipeCaddy Pro, which unlocks additional features and removes ads. ### How secure is SwipeCaddy? SwipeCaddy is designed with privacy in mind. It does not ask for card numbers, logins, or bank access, and the recommendation engine runs entirely on your phone. ### How often is SwipeCaddy updated? SwipeCaddy's database is refreshed weekly to ensure reward rates are current. The app itself was last updated on August 2, 2026. ### What devices does SwipeCaddy support? SwipeCaddy is available for iPhone and iPad devices. ### What is the age rating for SwipeCaddy? SwipeCaddy has an age rating of 17+, likely due to its focus on financial management and credit card usage. ### Can I use SwipeCaddy without an account? Yes, you can start as a guest with up to 3 cards without needing an account. Signing in with Apple or Google allows you to keep up to 5 cards and sync them across devices. ### What makes SwipeCaddy different from other rewards apps? SwipeCaddy differentiates itself by directly comparing cash back, points, and miles based on real value, and by meticulously handling complex reward rules like rotating categories and spend caps, all while prioritizing user privacy. ## Version history (last 5 releases) ### 1.0.0 — 2026-08-13 SwipeCaddy 1.0 is here. WORKS FROM THE FIRST TAP • SwipeCaddy now works the moment you install it, even with no signal — your cards and their rates are built in. A CLEARER WELCOME • A redesigned intro walks you through the ways to get an answer — Swipe Spot, Nearby, Swipe Scope, and Swipe Signal. SWIPE SIGNAL (beta) • It no longer alerts when you're just driving past, and it handles gas pumps and busy plazas more carefully. • On iPhone, the Lock Screen and Dynamic Island card is now handed off when you arrive — your card's art, the rate, and how far through the visit you are. EVERYDAY POLISH • Browse cards, categories, and stores in plain A–Z order. • Sharper card art, and clearer spend-cap details. • Your SwipeCaddy Pro plan now shows its renewal or expiry date in Settings. • In-app alerts are easier to read and show the whole message. Questions or feedback? hello@swipecaddy.com — a human reads every message. ### 0.19.0 — 2026-08-11 CARDS THAT MAKE YOU CHOOSE Some cards only pay their headline rate on categories you picked with your bank — and until now SwipeCaddy had no way to know which ones you chose, so it quietly assumed the worst. • Open a card you have, and if it lets you choose, you'll see "Your picks" — tap the categories or retailers you selected with your bank. • It knows how many you're allowed. Two of Cash+'s eleven, one of Huntington's sixteen. Pick your limit and the rest stop responding, so the app never promises a rate you aren't earning. • Cards you don't have now show what they COULD pay, with "choose this category" attached — the same way the website has always shown them. SWIPE SIGNAL (BETA) • Arrivals in a busy plaza stop asking you to pick when every nearby shop has the same answer. • When it genuinely can't tell, it now names the shops instead of saying "you're near a few stores". Plus faster lists, a keyboard that dismisses on search, and a lot of small layout fixes. ### 0.18.0 — 2026-08-06 Gas stations inside big stores now answer as gas stations. Pull up to a fuel pump at Walmart, Costco or Kroger and you get the card that earns on fuel — not the card that earns inside the store. CARDS YOU WANT • "Have it" and "Want it" are now labelled buttons instead of two small icons, with a line under each explaining what it actually changes. • Cards you want now move to the front of the cards you don't carry — still never above a card that pays more, because a card you don't have can't be today's answer. • A star marks a card you want. A heart still marks a store or category you've saved. ALSO • Cards that no longer accept new applications have stopped appearing as suggestions. • Nearby opens one sheet at a time, sized to what's in it. ### 0.17.0 — 2026-08-05 Nearby is rebuilt — a full-screen map, with the store list on a sheet you can drag up, push aside, or leave peeking. Pick a store and the map moves to it. CLEARER ANSWERS • Every card a store takes, not just your best one. • Tapping a card opens it, instead of leaving the sheet in the way. • When a store takes none of your cards, we say so — rather than implying they earn nothing. • Going back from a card to the store list no longer spends a Swipe Spot tap. SWIPE SIGNAL (beta) • More than one reminder per visit, timed to the kind of place: a sit-down meal has a different rhythm to a coffee stop. • The wording moves with you — it asks as you arrive, notes you're still there, then prompts when it's time to pay. • A redesigned Lock Screen and Dynamic Island card: your card's art, the rate, and how far through the visit you are. • Tapping an alert opens the answer straight away instead of asking where you are. • A new setting turns the Lock Screen card off while keeping the reminders. PRIVACY • Where you are never reaches our analytics, and we no longer collect a street address. • Signed-out users send no crash reports. Plus fixes: sheets no longer sit behind the tab bar, and fewer duplicate alerts when two shops sit close together. ### 0.16.0 — 2026-08-02 NEW — Swipe Spot: one tap names the store you're standing in and the card in your wallet to pay with. No searching, no typing. Pro; everyone gets three free taps. Also in this release: • Swipe Signal is more reliable — it now keeps working when your phone loses signal mid-trip, instead of going quiet until you next open the app. • Fewer duplicate alerts: arriving where several tracked stores overlap now gives you one answer, not three. • Tapping a Signal alert while Nearby is already open now opens the card, instead of doing nothing. • Links from swipecaddy.com now open in the app on the right screen. • A sharper notification icon, and text fixes on tablets. ## More apps by Const Agility, LLC - [Faxify: Fax App from iPhone](https://appshunter.io/ios/app/faxify-fax-app-from-iphone/id6444380905) - [Roletopia: AI Stories & Chat](https://appshunter.io/ios/app/roletopia-ai-stories-and-chat/id6738599104) - [NxtTools: QR & PDF Doc Scanner](https://appshunter.io/ios/app/nxttools-qr-and-pdf-doc-scanner/id6758467117) All apps by Const Agility, LLC: https://appshunter.io/developer/1654324420 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-01.*