ET Markets vs Rory

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Other apps help you earn points. Rory tells you when to use them. Most points apps are collectors' tools. They add up what you have and leave the hard part to you: knowing which of this week's transfer bonuses, expiring offers, and elevated redemptions are worth anything, given the cards you actually hold. Rory does that part. WHAT RORY WATCHES • Transfer bonuses — and whether the ratio is genuinely good or just loud • Expiring points and offers, with the date that actually matters • Deferred-interest deadlines, the kind that quietly cost real money • Welcome-offer spend windows, tracked against what you have left to spend • Elevated award pricing worth acting on MATCHED TO YOUR WALLET, NOT THE WORLD'S Rory only raises what fits the cards and programs you hold. A spectacular bonus on a currency you don't have is not news, and Rory won't tell you about it. HONEST MATH, SHOWN Every read is grounded in your own balances and the program's published terms. When the arithmetic matters, Rory shows it. When a program has a documented trap — a transfer that can't be reversed, a fee that isn't advertised — Rory names it and says where the rule comes from. THE INSTRUCTION TO DO NOTHING Rory's most common verdict is skip. A tool that finds something urgent every day isn't watching your interests; it's manufacturing activity. Rory is comfortable telling you this week needs nothing from you. YOUR NUMBERS STAY YOURS • No account. No sign-up. No password. • Balances and member numbers live on your device. • Update balances by picking a screenshot — the image is read on your phone by on-device text recognition and never leaves it. • Card numbers are never stored. Any card-like number found in a screenshot is discarded before anything else reads it. A NOTE ON WHAT THIS IS Rory explains published program terms and does arithmetic on numbers you have given it. It is not a financial adviser, it is not affiliated with any card issuer, airline, or hotel program, and it never moves your points for you. Every decision stays yours. Rory Premium is an auto-renewing annual subscription. Payment is charged to your Apple ID at the end of the free period; it renews yearly unless cancelled at least 24 hours before the period ends. Manage it in your Apple ID settings. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://rorypoints.com/privacy