Location-aware rewards

The right card,
at the right time

Steward detects where you shop and instantly tells you which credit card maximizes your rewards — factoring in bonuses, offers, and loyalty perks.

Download for iOSSee how it works
9:41

You're at

Whole Foods Market

BEST CARD

Amex Gold

4x points on groceries

+$10 Amex Offer active

Runner-up

Citi Custom Cash

5% cash back

🍽
3x dining
✈️
5x travel

Never leave rewards on the table

Steward combines location awareness, card intelligence, and your loyalty data to surface the perfect card at every purchase.

Real-Time Recommendations

Arrive at a store and get a notification telling you which card to pull out — and why.

Multi-Factor Scoring

Considers base rates, category bonuses, merchant offers, rotating bonuses, and loyalty tiers.

Rewards Goals

Track progress toward earning 50k miles, reaching hotel Gold status, or saving for a trip.

Loyalty Tier Tracking

Knows your Marriott Platinum, Delta Gold, Hilton Diamond — and factors tier perks into every recommendation.

Merchant Discovery

Explore nearby merchants on a map and see which card is best before you walk in.

Lock Screen Widget

See your current recommendation without even opening the app. Glance and go.

How it works

Three steps. Zero effort. Maximum rewards.

Step 1

Walk into a store

Steward quietly monitors your location in the background — no action needed.

Step 2

Get a notification

Instantly see the best card for this merchant, with a breakdown of why it wins.

Step 3

Use the best card

Pull out the right card and earn maximum rewards — every single time.

See the full picture

Steward stacks category bonuses, merchant offers, and loyalty perks to show you the true value of every card at every merchant.

STACKED BENEFITS

Marriott Bonvoy Brilliant

at Marriott Downtown

Base Rate

6x Bonvoy points per dollar

6x

Platinum Elite Bonus

50% bonus points on stays

+50%

Amex Offer

$50 back on $250+ Marriott spend

$50
Total Value9x + $50 back

100+ credit cards supported

Every major issuer. Every bonus category. Every rotating offer. Steward keeps up so you don't have to.

Chase
Amex
Citi
Capital One
Bank of America
Discover
Wells Fargo
US Bank
100+
Cards
8
Issuers
50+
Bonus categories
20+
Loyalty programs

Set goals. Track progress.
Get rewarded.

Whether you're saving for a trip, chasing elite status, or maximizing cash back — Steward keeps you on track and adjusts recommendations to hit your targets.

  • Points & miles accumulation goals
  • Hotel & airline loyalty status tracking
  • Cash back savings targets
  • Trip planning with card-optimized bookings

50,000 United Miles

36,000 / 50,000 earned

72%

Marriott Gold Status

34 / 40 qualifying nights

85%

$500 Cash Back

$240 / $500 earned

48%

Hilton Diamond

36 / 60 qualifying nights

60%

Stop guessing. Start earning.

Download Steward and never miss a reward again. Free to use, works offline, and supports 100+ credit cards from every major issuer.

Download on the
App Store