RewardsX is a free mobile app that helps Canadian credit card users maximize their rewards, cashback, and points across multiple cards. The app suggests the optimal card for each in-store transaction and tracks all benefits in one place, with both offline and linked card modes available.
Funding
Funding not disclosed
Founders
Product
Problem
Credit card users with multiple cards often struggle to remember which card offers the best rewards, cashback, or points for each specific purchase. This leads to missed earning opportunities and fragmented tracking of benefits across different loyalty programs and financial institutions.
Solution
RewardsX provides a mobile application that intelligently optimizes credit card usage by suggesting the right card for every in-store transaction. The app supports both offline mode, which lets users select cards without linking them, and linked card mode, which enables automatic reward tracking and benefit maximization. Using AI-powered recommendations, RewardsX analyzes the user's card portfolio and the merchant location to determine which card will yield the highest rewards. All benefits are consolidated and tracked in one place, giving users a clear view of their earnings across fuel points, travel points, air miles, cashback, and bonus rewards from a partner network of 100+ businesses.
Target Audience
Primary users are Canadian credit card holders who carry multiple cards and want to maximize their rewards, cashback, and loyalty points without manually tracking benefits across different programs.
Features
- AI-powered "Best Card X" feature that suggests the optimal credit card for each transaction based on merchant location and card benefits
- Offline card mode allowing users to select cards without linking financial accounts for privacy-conscious usage
- Linked card mode that automatically tracks rewards and benefits across multiple credit cards
- Consolidated dashboard displaying all rewards, cashback, fuel points, travel points, and air miles in one interface
- Partner network of 100+ businesses offering additional bonus rewards and special offers
- PCI DSS 4.0 compliant security with encrypted data transmission and no sale of user data
- Geolocation-based merchant recommendations and location-sensitive reward offers
- Support for major Canadian banks including BMO, CIBC, RBC, Scotiabank, TD Bank, and others