SwipeCaddy: Which Card to Use

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@swipecad