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Launching Nationwide · Join the Waitlist
Stop Leaving Rewards
on the Table.
SpendSmart shows you exactly where to spend to earn the most cashback, points, and loyalty rewards — whether you're grabbing dinner, hitting the gym, buying groceries, or shopping online.
🎉 You're on the list! We'll notify you at launch.
Free to join. No credit card required. Be first when we launch.
🏙️ Nationwide coverage
💳 Works with your existing cards
🔒 No bank login required
⚡ Stacks multiple programs at once
The Problem
Your rewards are scattered.
You have the cards, the apps, and the loyalty programs. But figuring out where to use what — in the moment — is impossible. So most people just... don't.
😩
Too many apps, zero clarity
OpenTable, Seated, Ibotta, Rakuten, Upside, ClassPass, Mindbody, Built-in Kind — each one lives in its own silo. Nobody has time to check them all before every purchase.
💸
You're leaving real money behind
The average American leaves $300–$600 in unclaimed rewards per year. Not because they don't have the programs — because they don't know when and where to activate them.
🃏
Your credit cards earn less than they should
Amex Gold earns 4x at restaurants. Chase Sapphire earns 3x. Chase Freedom rotates 5x categories every quarter. Are you actually using the right card at the right place? Probably not.
How It Works
Three steps to smarter spending.
SpendSmart does the math so you don't have to. In seconds, you know exactly where to go and what to use.
01
💳
Tell us your cards & programs
Select the credit cards you carry and connect the rewards apps you already use. Takes 2 minutes. No bank logins, no sensitive data.
02
📍
SpendSmart finds your best options
Using your location, we scan nearby businesses across every category — dining, grocery, wellness, shopping, events — and rank them by total reward value.
03
⚡
Stack your rewards, earn more
See exactly which program to book through, which card to pay with, and how much you'll earn. One tap to book. Rewards stack automatically.
04
🏅
Track all your loyalty in one place
SpendSmart tracks your points balances, loyalty tier progress, and expiring rewards across every program — so nothing ever goes to waste.
Where It Works
Every place you spend money.
SpendSmart isn't just for dinner. It works everywhere rewards programs exist — local and online.