SpendBen answers that question wherever you shop.

SpendBen is a credit card rewards optimizer that helps you choose which card in your wallet to use for a purchase. It uses your location to identify where you’re shopping and recommends a card based on the rewards you want to earn.

Whether you’re maximizing airline miles, credit card points, or cash back, SpendBen helps you get more value from the cards you already have.

FIND THE RIGHT CARD WHERE YOU’RE SHOPPING

Open SpendBen before you pay and it automatically identifies your location and the business you’re visiting.

If SpendBen doesn’t select the right place, simply choose from nearby stores and restaurants.
It then compares the rewards available from the cards you’ve added and recommends which credit card to use based on your goal.

MAXIMIZE YOUR CREDIT CARD REWARDS

Your cards don’t all earn rewards the same way.

One credit card might earn more at restaurants. Another may be better for groceries, gas, travel, or everyday purchases.

Instead of trying to remember every rewards category, let SpendBen help you choose.

Use SpendBen for:
• Dining and restaurants
• Grocery stores
• Gas stations
• Travel
• Shopping
• Coffee shops
• Everyday purchases

POINTS, MILES OR CASH BACK — YOU CHOOSE

The right credit card depends on what you want from your rewards.

Set your goal in SpendBen and get card recommendations that reflect what you’re trying to earn, whether that’s airline miles, cash back, credit card points, or other rewards.

USE THE CARDS YOU ALREADY HAVE

SpendBen isn’t about telling you to apply for another credit card.

It’s about getting more value from the cards already in your wallet.

Add your cards to SpendBen, choose your rewards goal, and check the app when you’re ready to pay.

STOP GUESSING AT CHECKOUT

You’re standing at a restaurant and have four cards in your wallet. Which one should you use?

You’re buying groceries. Which card earns the rewards you want?

You’re filling up at a gas station. Is another card better?

SpendBen gives you a simple recommendation based on where you are, the cards you have, and the rewards you want.

HOW SPENDBEN WORKS

1. Add the credit cards you already have.
2. Choose the type of rewards you want to earn.
3. Open SpendBen when you’re ready to make a purchase.
4. Let SpendBen identify where you are, or choose a nearby business.
5. See which card to use.

Spend smarter. Earn more of the rewards you want.

SpendBen — know which card to use.