BygPoints

BygPoints tells you which credit card to pull out — before you pay, not after.

Add the cards you already carry. BygPoints learns what each one earns on groceries, gas, dining, travel and everything else, then answers the only question that matters at the till: which of these should I use right now?

WHAT IT DOES

• Which card to use — pick a category, or tap once and let it name the shop you're standing in and pick from that.

• Welcome bonuses that don't quietly expire — log spend against each bonus, see how far you have to go and how many days are left. Multi-stage offers with separate deadlines are tracked stage by stage.

• Annual fee renewals — know the date before the charge lands, and see a keep-or-cancel read based on what the card actually earned you against what it costs.

• Payment due dates — reminders 7, 5 and 2 days out for every card you enter a billing cycle for.

• Points that expire — some programs wipe a balance after a period of inactivity. BygPoints warns you at 90, 30 and 7 days.

• Plan your next card — see which offers are unusually good right now, and when it is safe to apply given the issuer rules you're already subject to.

• Household — share a view with a partner so you can see both wallets and choose the better card between you.

CANADA AND THE US, EQUALLY

Both card markets are covered properly, with the right currency, the right issuers and the right rules for each — including which networks a warehouse club actually accepts in each country. Most rewards apps are built for one market and guess at the other.

Discovery signals