Flagstar Private Secure Token vs With Benefits

Supports secure interaction and user authentication.

Your credit cards owe you money. Airline credits, dining credits, rideshare cash, streaming rebates — premium cards come loaded with perks that quietly expire every month, quarter, or year. With Benefits makes sure you actually use them. ADD YOUR CARDS IN SECONDS Pick from a catalog of 67 cards — Amex Platinum and Gold, Chase Sapphire Reserve, Capital One Venture X, Bilt, and the major airline, hotel, and business cards, plus the everyday cards you actually carry: the Chase Freedom family, Blue Cash, Citi Double Cash and Custom Cash, Savor, Discover it, Active Cash, Apple Card, and more. Every published credit is filled in automatically. All values are editable, and you can create fully custom cards and benefits too. LOG CREDITS WITH ONE TAP Benefits renew monthly, quarterly, twice a year, or annually. When you use one, log it with a single tap — or record partial amounts with a date and a note as you go. A usage history for every card shows each redemption grouped by month. KNOW WHICH CARD TO PULL OUT Heading to dinner, booking a flight, filling up on gas? The Best Card tab ranks your whole wallet for any purchase — and ranks by what each dollar is actually worth to you, not just the raw multiplier, so a card earning a valuable currency can beat a bigger number. It even knows when your "cash back" is really points: a Freedom card's 1.5% counts as 1.5% on its own, but as 1.5x Ultimate Rewards once your wallet holds a Sapphire that can transfer them out. Split cards show their full range, bonus and portal rates included, so you know exactly what you'll get. NEVER LET A CREDIT EXPIRE If a benefit is still unused as the end of its period approaches, With Benefits reminds you before it's gone. You choose how many days of warning you get. KNOW IF YOUR ANNUAL FEE IS WORTH IT The dashboard tallies every dollar you redeem against each card's annual fee, with a break-even progress bar and a "Use It or Lose It" list of perks expiring soon — so you always know whether a card is paying for itself. SEE YOUR SAVINGS ADD UP The Stats tab turns it into a yearly scorecard: everything you've redeemed against your combined annual fees, a per-card breakdown, all-time totals, and your single most valuable benefit. Watch your cards pay for themselves. WIDGETS, SIRI, AND ICLOUD SYNC Add a Best Card widget to your Home Screen to check the right card at a glance, or a "Use It or Lose It" widget to log expiring credits without ever opening the app — and ask Siri too. Everything stays in sync across your iPhone, iPad, and other devices automatically. EVERY FEATURE, FREE — No subscriptions, no paywalls, no locked "premium" tier. Every card, every benefit, one-tap logging, expiration reminders, usage history, and the full break-even dashboard are completely free — and always will be. There's nothing to unlock and nothing to upgrade. PRIVATE BY DESIGN No account. No ads. No tracking. Your data lives in your own private iCloud database, syncs automatically across your devices, and never touches anyone else's servers. Stop paying annual fees for perks you forget to use. Get With Benefits — and use every credit.