PayperWIZ: Credit Card Rewards

PayperWIZ answers one question: which card should I use, right now, here? Add the cards you already carry. PayperWIZ works out which one earns you the most at each place you shop, and tells you as you walk in — a tap on your lock screen naming the card, before you pay rather than after. It is a calculator for the cards in your pocket. It never connects to a bank, has no field for a card number, and cannot see your statement. HONEST ABOUT WHAT IT KNOWS Most card apps show you a number. PayperWIZ shows you the number and where it came from. • Verified — read from the issuer's own published terms, with the date checked • Indicative — typical for that kind of card, not confirmed for yours • No rates yet — the card is known, its rates are not A rate that has not been confirmed never wears the same colour as one that has. When a monthly cap is spent, or a minimum spend has not been met, the card drops in the ranking and says why rather than quietly recommending something that will not pay. WHAT IT DOES • Tells you which card wins, at the till, before you pay • Arrival alerts that only speak when one card genuinely beats the rest, and stay silent at home and anywhere else you mute • 537 cards across 14 markets, 435 of them with rates already filled in • Monthly caps, minimum spend, foreign-currency fees and welcome bonuses, all factored into the ranking • Offers that stack with your card's rewards, and the ones that do not • A spend log you can fill from a screenshot of your banking app • What your wallet actually earned, against what it could have FREE, AND HONESTLY SO Working out which card to use is free, forever, unlimited, with no account and no subscription. Credits are only for the two things that cost real money to run: researching a card's published terms, and checking for current offers. Ten are free when you sign in. They never expire, and there is nothing else behind a paywall. PRIVACY Your cards, your spending and the places you go stay on your phone. Location is matched on the device and is never sent anywhere. Signing in with Apple gives PayperWIZ an anonymous identifier and nothing else — no name, no email address. Researching a card sends that card's name and your country, and nothing more. That is asked for separately, and can be turned off at any time without affecting anything else. NOT A BANK PayperWIZ is not a bank, a payment service, a credit comparison service or a financial adviser. It cannot connect to an account, cannot make a payment, and earns no commission from any issuer. It calculates from figures you enter or that it looked up, and always says which. Confirm current terms with your issuer before a large purchase. Operated by Elaq Limited, registered in Ireland.