Have you ever wondered if you were getting the most out of your rewards credit cards? There are a lot of different rewards cards and it’s hard to know if you are earning as much as possible with your credit cards. However, there’s a new web app called Reward Boost that makes earning rewards easier and more efficient.
Reward Boost is interesting because it can help you maximize rewards with the credit cards you already have. There are quite a few websites devoted to finding you new credit cards, mainly because websites earn affiliate commissions when you use their links to sign up for new cards, but RewardBoost.com is one of the few that helps you earn more with the cards you already have. While it is still in beta and has a few flaws or glitches, Reward Boost can assist you when deciding which card to use for certain types of purchases.
The Reward Boost Web App
Using the Reward Boost web app is pretty simple. You start on their homepage by taking a “test drive”, which cleverly fits with their speedometer logo. This test drive gives you access to the app without the need for you to sign up. Once you are in the web app, your first step is to add the cards you have in your wallet.
This is one of my favorite things about Reward Boost – they don’t ask for your bank login information. Many other sites ask for the username and password to your credit card accounts and it can be very scary to give that information away. I don’t even log in to my bank accounts with my phone to avoid hacking or personal identity theft. With Reward Boost, you only have to type the name of your card to add it to your account.
Now for the bad news – they are missing some cards. Their blog mentions they have about 200 cards in the system, but there’s a chance they won’t have yours. The tool isn’t very useful if your cards aren’t available. Fortunately, you are able to request to have your card added if it’s not in the system, though that may take some time for the company to get around to.
Once all your cards are added, you just enter your monthly spending information in various categories. Think about how much you spend on gas, groceries, restaurants, entertainment, drugstores, utilities, and shopping each month? Once you’ve entered this information, Reward Boost tells you which of your cards will give you the most rewards for those purchases. Then, it adds up your rewards across all categories and let’s you know how much you can save in a year.
Furthermore, if you are looking for a new card, Reward Boost will recommend the top 3 cards you could apply for to increase your rewards. The nice thing about this feature is that it will tell you exactly which categories the new card should be used in to earn the maximum amount of points or cash back. The bad news is the website doesn’t include information on sign-up bonuses. Some credit cards offer very lucrative sign-up bonuses, but you won’t find information about that on Reward Boost. Maybe that is a feature the developers will incorporate in the future.
Overall, RewardBoost.com seems like a great tool, and has potential to get even better as they add more credit cards to the system and combine information on sign-up bonuses.
Detailed Card Reviews
In addition to the web app, Reward Boost also has a blog where they post credit card reviews and app updates. It seems like you can find a credit card review on just about any financial website, but the reviews on Reward Boost are very detailed and offer users tons of information on rewards programs.
For example, you may be interested in their review of the Citi ThankYou Premier card. One of the benefits included with this card is a free companion airline ticket when booked through Spirit Incentives. After reading that, you’ll immediately wonder “how do I redeem the companion ticket?” or “is it really a free companion ticket, or is the price of the first flight doubled so the second is ‘free’?” Reward Boost answers these questions with simple explanations and illustrations to make rewards programs abundantly clear.
While there are some issues with their web app, I can’t find anything wrong with their card reviews except for the fact that they don’t have many written yet. As far as I can tell, they only have seven reviews on their blog and you’re in luck if they’ve reviewed one of your credit cards.
Reward Boost Review
Between the web app and the blog, Reward Boost has some really useful tools and information to help people find the best rewards credit cards. However, it is obvious that the site is young and any shortcomings now will likely be remedied in the future. As they continue to add features to the web app and more card reviews to the blog, this site could become an incredible resource for anyone looking to earn as much as they can with credit card reward programs.