Maximize your miles and points with the Wallet.

Never miss a rewards bonus again. Add credit cards, track rewards, and earn more from your spending – for FREE!

Secured & Powered By

Safe and Secure

Wallet uses top-level bank security to prevent unauthorized access and ensure financial information safety.

Simple and Free

We’ve developed the Wallet as a free tool for you to keep track of your frequent flyer miles and points.

Track Your Spending

Wallet can help you organize spending, monitor reward bonuses and make sure you’re meeting deadlines.

Wallet is committed to site security.

Never miss a major bonus again.

This tool allows you to organize and manage your rewards by keeping track of your points, miles and credit cards.

Earn major rewards!

We note your sign-up date and minimum spending requirement (and its fulfillment date), then remind you about upcoming deadlines.

Add your cards simply and securely.

We apply bank-level data security standards in order to protect your data in many ways. From encryption, firewalls, authentication procedures and restriction of physical access, Wallet is committed to site security.

Spending Trends

By categorizing your purchases, Wallet is able to analyze where you spend money and help you decide what cards to use on which transactions in order to maximize bonus points.

Frequently Asked Questions

What is the Wallet?

We’ve developed the Wallet as a free tool for you to keep track of your frequent flyer miles and points. By linking to or inputting your rewards program information, Wallet can help you organize spending, monitor reward bonuses and make sure you’re meeting deadlines.

Why should I use the Wallet?

This tool allows you to organize and manage your rewards by keeping track of your points, miles and credit cards. We note your sign-up date and minimum spending requirement (and its fulfillment date), then remind you about upcoming deadlines. This ensures you’ll never get hit with a pesky annual fee again! By categorizing your purchases, Wallet is able to analyze where you spend money and help you decide what cards to use on which transactions in order to maximize bonus points.

How do I use the Wallet?

By securely linking the Wallet to your rewards programs, Wallet is able to check your balance, status, etc. in one simple, easy-to-read format. Just sign up, create a password, and input or import your credit card programs in order to easily keep track of the messy details. Never miss a bonus again!

Will using the Wallet affect my credit score?

Wallet does not run a credit report and does not affect your credit score.

What about security?

We apply bank-level data security standards in order to protect your data in many ways. From encryption, firewalls, authentication procedures and restriction of physical access, Wallet is committed to site security.

Wallet is SSL certified and encrypted by Comodo Certification Authority, and utilizes API best practices as provided by Intuit financial service. Intuit secures other reputable sites such as Mint, QuickBooks, and TurboTax.

Your bank login credentials are stored securely in a separate database using multi-layered hardware and software encryption. We only store the information needed to save you the trouble of updating, syncing or uploading financial information manually.

No employees of FrugalTravelGuy or Internet Brands can gain access to your information. We do not share or sell your individual information with anyone.

Am I at greater risk of someone stealing my identity by using your service?

No. For Wallet, you only need to provide an email address and establish a password in order to create an account. FrugalTravelGuy and Wallet will never ask you for information such as bank account numbers or billing address.

Why does Wallet need my credit login information (username and password) to my accounts?

By obtaining read-only access to your accounts, we can help organize and manage your points and spending habits by categorizing your transactions. We also pay attention to dates and accumulation of points so that we can remind you as deadlines approach. We use transport layer security to encrypt the data you send and receive from us.

If I change something on Trends or elsewhere in the Wallet, will it change anything at my bank or on my bank statements?

Because Wallet provides a strictly read-only view of your transaction information, credentials and personal information, users cannot make changes to the original content. You cannot perform transactions, transfer or withdraw money using Wallet.

The read-only feature means that banks and issuers do not receive information from us. Nothing that you change in your Wallet will affect your bank or credit statements.

How can I protect my Wallet account?

Create a complicated password and don’t share it with anyone. Use virus protection and a firewall on your computer and don’t access sensitive information from unsecure networks.

Why are you recommending these cards? (disclaimer)

While some banks are advertising partners of FrugalTravelGuy, the Wallet tool is intended for use to provide insight to the best card for your circumstances. Recommendations for credit cards are based on your supplied information and travel goals, not advertiser marketing.

Section II: Points and Cards

How does Wallet calculate points?

Wallet organizes purchases into categories and ties to the spending bonus multiplier to accurately match sorting.

Why won’t my American Express cards work in Wallet?

Currently, the Wallet does not support American Express cards. FrugalTravelGuy is working with American Express to be able to do so soon. Keep checking back!

What if my credit card isn’t in the database?

Please email us at [email protected] to let us know you’d like to see your card listed.

Why do you ask if I’m married?

In some cases, we suggest that partners both apply for the same credit cards.

Why do you ask if I own a business?

In some cases, we recommend that you pick up both personal and business credit cards.

How does Wallet recommend credit cards?

Wallet takes into account factors such as your credit score, monthly spending trends, travel goals, business ownership and currently-enrolled reward programs in order to best determine which card suits your travel needs and wants.

Should I apply for all of the recommended cards at once?

With each credit card inquiry, your credit score temporarily loses 3-5 points, and it isn’t advisable to apply for cards with a score lower than 700. If you have a credit score of 720, you should not apply for more than four cards at a time in order to stay above the credit card approval range.

Why do you recommend I spend $100 over my minimum spending requirement?

Wallet considers any interest charged or annual fees included on your credit a part of your spending history. Your issuer, however, may not count these fees towards your spend. Therefore, we suggest you spend at least $100 over your minimum spending requirement in order to guarantee your reward.

Why can I only see a recent history of my transactions for some cards?

Some credit cards only show us a limited past activity (90-180 days) of your spending. Once Wallet has received this information, it will begin to track your transactions from that day forward.

When should I apply for credit cards?

We recommend applying for cards every 91 days — unless a truly amazing offer comes along!

Why should I wait 91 days before applying for more credit cards?

We use 91 days (once a quarter) as an effective time period to review financial assets on a regular basis, and this schedule works well for credit cards. We like to generally keep at least 3 months between applications to help mitigate being declined for a new account based on “too many recent inquiries.” One of the the factors when deciding if someone would be a good candidate for a new line of credit is the amount of new credit on a credit file.

What activity affects my credit score?

The five factors that drive your credit score are:

  • Payment History – Are you paying your bills on time?
  • Amounts Owed – Are you carrying balances, or are you using a high percentage of credit you already have?
  • Length of Credit History – On average, how long have your accounts been open? The longer the better.
  • Types of Credit – What type of credit has been extended to you? Credit card? Retail Store card? Mortgage? Student Loan?
  • New Credit – Have you been looking for new credit (has any issuer recently pulled in response to an application)?

Why can I only apply to one personal and one business card from a provider each application cycle?

Card issuers understand the need to separate personal and business expenses. Signing up for a personal card and business card from the same issuer at the same time is reasonable reaction to a fantastic promotional offer, a shift in finances or a new venture. Signing up for multiple personal or multiple business cards from the same issuer is quite the opposite.

The intended purpose of opening a new credit account is to use that line of credit. When a card issuer decides to approve you for a card, they also assign a credit limit to that account. When that decision is made, it’s based on information in your credit report and other information you provide on your application.

The reason we see personal and business cards approved at the same time is because their intended purposes (personal expenses versus business expenses) and intended mechanisms for repaying the debt (personal income versus business income) is different. But applying for multiple personal (or multiple business cards) doesn’t make sense to the credit issuer. Why would you want another line of credit from the creditor after the creditor in question just gave you a line of credit based on the information you entered?

Remember, credit card issuers are in the business of making money — how would this help them make money? And why would you want another of the same account? Look at it from the perspective of a card issuer. They want to build loyalty with you, but they don’t want to be abused.

Why do I need to apply for all the cards on the same application day?

Applying for cards on the same day is done for a few reasons:

  • Organization – Handle business all at once, focus on what you’re looking to do with your credit and rewards portfolio, and get it done. Stretching the application process over a series of days, or applying every month adds complexity to something that must be managed carefully.
  • Review – By setting a schedule, you force yourself to review your complete portfolio.
  • Avoiding too many recent inquiries – By compressing your applications to a single day, then scheduling 91+ days out, you’re sure to leave time for inquiries to age and any negative impact of other new accounts on our credit report to diminish.
  • Do other creditors actually see the data? – This is a bit of a question mark, but we still bet on it. For example: If you apply for a card from Issuer X, the credit inquiry goes to Credit Bureau 1. Five minutes later, you apply with Issuer Y through Credit Bureau 1. Does Issuer Y see the inquiry from Issuer X? We can’t say for sure, but we’re banking on tech systems not working perfectly in real time, given the amount of data they have to store.

Another strategy that has worked for years: keep it simple!

Why wouldn’t I receive a sign-up bonus on a card I’ve had previously?

If you’ve had a card once and cancelled it, the likelihood that you’ll simply cancel it again is higher than if you’d never had the card. Now, you may actually have had a legitimate reason to cancel it previously (shift in travel program loyalty or change in employment), and if that’s the case you’ll probably need to make a case to get reapproved for the card. Credit card companies want long-standing, consistent customers that use their card. If you’re opening and closing accounts, you aren’t an ideal candidate for an account. A sign-up bonus is exactly what it is — a bonus. The intention is to bring in a new customer.

However, it is important to look at the terms and conditions of every offer for which you apply. Some cards allow you to receive a bonus if you haven’t received one for that same card in the past 24 months. Other cards will let you get the difference in bonus since the last time you had the card. The terms and conditions will clearly spell out what you’re entitled to with a new account.