Love it!!
Super useful! I use it when I’m trying different restaurants. It’s really convenient and saves me from having to remember all the different card benefits myself.
Free
Details
About
This app helps you find the best credit card to use for any purchase by analyzing rewards and cashback. It provides personalized recommendations based on your spending habits and goals, and tracks your savings over time. It's designed to be private and secure, requiring no bank connections or sensitive financial data.
✓Rank cards by highest earnings
✓Plain language purchase queries
✓In-store vs. online purchase comparison
✓Personalized card strategy planner
✓Track savings and rewards over time
✓Sync card-linked offers
✓Private by default, no bank connection
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What's New in WhichCard
1.0.0
September 18, 2026
User reviews
Developer apps
FAQ
What is WhichCard?
WhichCard is a finance app that helps you determine the best credit card to use for any given purchase by calculating the highest rewards or cashback you can earn. It analyzes category multipliers, fees, and point valuations to provide deterministic rankings.
How does WhichCard determine the best card?
WhichCard uses a deterministic engine that considers category multipliers, caps, annual fees, and point valuations. It ranks cards based on the real dollar value of rewards earned, not subjective points or star ratings.
Can WhichCard help me choose a new credit card?
Yes, the 'Which Card to Get (Planner)' feature allows you to chat about your spending and goals to receive a personalized card strategy. It's designed to help you build a strategy for situations like getting your first premium card or planning for travel.
Does WhichCard connect to my bank accounts?
No, WhichCard is private by default and does not connect to your bank accounts. It does not require a credit pull or your card numbers, only needing to know which cards you hold.
How often is the card catalog updated?
The app's catalog contains approximately 110 US consumer and small-business cards from major issuers. This catalog is updated as card products change to ensure the information remains current.
What devices does WhichCard support?
WhichCard is currently supported on iPhone devices. The app was last updated on September 18, 2026, with version 1.0.0.
Does WhichCard have ads?
No, WhichCard does not have ads. The app explicitly states 'NO ADS' and does not earn commissions from card applications, ensuring unbiased recommendations.
Is WhichCard free to use?
Yes, WhichCard is available for free. There are no in-app purchases or subscription fees associated with using the app.
