August 9, 2022

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Palms-on: CardPointers maximizes your bank card rewards with iPhone, iPad, and Mac apps

Palms-on: CardPointers maximizes your bank card rewards with iPhone, iPad, and Mac apps

During the last yr, I’ve jumped deep into the sector of bank card rewards, maximizing redemption values, assortment issues and money again, and making the most of profitable welcome bonuses. One of the crucial apps that I’ve used to be told extra about all of that is CardPointers, a very good app from the indie developer Emmanuel Crouvisier.

I were given a possibility to speak to Crouvisier about CardPointers, iOS 16, what it’s’ like being a full-time indie developer in 2022, and a lot more. Plus, an unique cut price and be offering for 9to5Mac readers.

Palms-on: CardPointers can assist maximize bank card rewards

The contest within the bank card trade has actually heated up during the last a number of years. Firms together with American Specific, Chase, and Capital One have ramped up their gives with large welcome bonuses, new redemption gives, profitable spending and rewards classes, and a lot more.

Talking from enjoy, this may also be overwhelming and complicated to start with. It’s simple to make errors; particularly when card firms lure you to redeem for low redemption values. CardPointers targets that can assist you navigate all of those eventualities.

Whilst you open CardPointers for the primary time, you’ll be brought on to move throughout the technique of including the bank cards you have already got. All through this procedure, you’ll be able to upload the date that you simply had been authorized, alter the bonus classes if wanted, and consider the entire to be had gives.

Putting the date you had been authorized for a card is especially necessary if the cardboard has a welcome bonus or an annual price. CardPointers mean you can observe your growth in opposition to a welcome bonus and remind you when your annual price is ready to be charged.

Palms-on: CardPointers maximizes your bank card rewards with iPhone, iPad, and Mac apps

The latter is particularly necessary if you wish to achieve out on your card corporate and spot if there are any retention gives to be had to assist offset the yearly price. (Trace: There generally are, you simply must threaten to cancel/downgrade your card first.)

If you’ve added your present playing cards to CardPointers, you’ll be able to faucet at the “Guidelines” tab to peer a breakdown of the most efficient playing cards to make use of for various classes of spending. Those tips are based totally purely at the playing cards you have already got. For example, when you’ve got the Amex Gold Card, you’ll most likely see that it’s the most suitable option for many eating place and grocery retailer purchases.

The “Dashboard” tab within the CardPointers app breaks down further details about the playing cards you’ve gotten. This features a record of your playing cards, the whole of your annual charges, your energetic gives, and extra main points on the most efficient playing cards for various classes of spending.

After all, the “Dashboard” additionally features a roundup of the most efficient card gives for the month in the case of welcome bonuses. For those who’re taking a look to make bigger your arsenal of bank cards, it is a very at hand software for seeing welcome bonuses for probably the most best playing cards in the market.

Safari Extension

Certainly one of my favourite facets of CardPointers is the Safari Extension. The Safari Extension is to be had on iPhone, iPad, and Mac. It’s number one function to inform you the most efficient bank card to make use of on a specific web page to maximise the money again or issues you’ll obtain for a purchase order. For instance, in case you’re reserving a resort, the CardPointers extension will display you which of them of your playing cards gives the most efficient rewards for that acquire.

Any other very good perk of the CardPointers extension for Safari is that it helps the facility to turn on all your to be had gives at the Chase and American Specific web sites.

Whilst you talk over with Chase or American Specific, you’ll see a CardPointers notification that temporarily permits you to join on your gives. If you do, the gives may even sync on your CardPointers account and be factored into the entire tips and tips.

CardPointers helps a variety of other device options of iOS, macOS, and iPadOS. This comprises such things as App Clips, Check in with Apple, House Display widgets, Fast Be aware, Siri integrations, and extra. There’s additionally a devoted Apple Watch app in addition to apps for iPad and Mac.

You’ll get began with CardPointers via this hyperlink and get an unique 20% off for being a 9to5Mac reader.

iOS 16

iOS 16 beta 4 changes

I had the chance to talk with the developer of CardPointers, Emmanuel Crouvisier, this week. Something I used to be particularly taken with used to be what he has deliberate for iOS 16 and Apple’s different new tool releases coming this autumn. His solution? Principally the entirety.


Crouvisier: The primary day of WWDC I all the time assume I’ll have just a few little issues to include into my app to assist stay it feeling recent, however by the point I’m completed gazing the entire pertinent consultation movies, I’ve were given a to-do record of 100+ pieces. This yr isn’t any other.

  • App Intents: Those make growing new shortcuts *so* rapid and simple for builders. I already had 5 shortcuts within the app, however having the ability to have one robotically enabled upon app set up, it makes them so a lot more approachable for customers who wouldn’t generally project into the Shortcuts app. I’ve made some large updates to my “Which Card?” shortcut, and now a person can simply say the title of a shop, somewhat than simply the kind of acquire they’re making, and the app will straight away inform them which card to make use of there to maximise their issues or use an Amex or Chase be offering that they’ve there. It even works completely with Siri, so if a person simply has their AirPods in, they can use Whats up Siri and know which card to make use of in a 2d with no need to drag out their telephone or test the watch app.
  • Focal point Filters: Apple after all were given me to make use of Focal point modes due to them, and I will’t consider operating every other approach now. I’ve adopted Apple’s lead right here on implementation, and I’ve been the use of those all through my Paintings focal point to turn most effective my industry playing cards during the app, and I created a customized focal point mode referred to as Shuttle which I’ve set to clear out the entire playing cards with foreign currency echange charges within the app so I don’t get stunned via a three% added rate on my purchases when in another country. It’s a characteristic a large number of customers have requested for, and integrating this by way of focal point filters used to be an excellent have compatibility. 
  • Lock Display Widgets: I’ve had headaches within the Watch app since v1, and widgets since they had been to be had, and now I’ve were given a brand new position to let customers put the ideas that issues maximum to them. This might be an excellent spot so as to add a reminder a few particular class bonus and expiring gives, and I’ll be exploring a couple of new concepts as neatly.
  • Swift Charts: That is probably the most superb API I’ve observed pop out of Apple. In only a few traces of code you’ll be able to get actually stunning charts with nice accessibility options, but it might perform a little actually advanced issues with a couple of extra traces; it’s an enormous addition to SwiftUI. There are lots of packages for charts during the app which I’ve been in need of to do for some time, however didn’t wish to construct my very own chart library. Downside solved!

Going indie

Firstly of this yr, Crouvisier made the verdict to give up his full-time process at a startup and focal point completely on CardPointers. With the wider context of new App Retailer adjustments, I requested him how his first six months of being full-time indie have long gone.


Crouvisier: I believe that’s the most efficient choice I’ve ever made for myself! I’ve been operating on CardPointers since 2019, and just about all of the time I’ve additionally been operating at a startup, which intended ~16 hour paintings days, sacrificing sleep to have time to paintings, no evenings or weekends to chill out, and I unquestionably hit some bad burnout sessions, particularly past due summer time making ready for iOS unencumber days each and every yr.

Since I give up the startup process and feature been ready to focal point only on CardPointers, actually the entirety in my existence has progressed: I’m drowsing neatly each day, I am getting to decompress (some) evenings and weekends (I’m nonetheless a little of a workaholic), and CardPointers is doing higher than ever — my first 2 months only centered at the industry I tripled earnings in 2 months via that specialize in advertising and marketing the app and extension and rising the industry, somewhat than simply making improvements to the app.

Apple’s Small Trade Program has been nice to save lots of 15% on App Retailer gross sales, however I’ve discovered a large number of receive advantages in leveraging internet checkout by way of Stripe and RevenueCat to save lots of much more, and likewise keep underneath the Small Trade most earnings prohibit for longer. From a person point of view, not anything beats the convenience of an in-app acquire, but even so a reduced value by way of Apple Pay via a internet checkout glide. The 2 in combination paintings superbly neatly to hide all kinds of customers.


Apple Card

apple card double cash

After all, given his in-depth and unequalled wisdom of the bank card trade and rewards, I requested Emmanuel for his ideas on Apple Card. His recommendation? You’re most probably with a distinct card.


Crouvisier: There are such a large amount of extra benefits to a just right rewards card, like a Chase Freedom, Sapphire Most popular, Citi Premier, or Amex Gold card. With the ones playing cards you’ll be able to earn transferable issues which you’ll be able to switch to airways and resorts to get much more price out of the issues that you simply earn — and their issues multipliers for many classes are a lot upper than the Apple Card, too.

With the Apple Card probably the most you’ll be able to get is 3% again to your acquire, while with the playing cards I’ve discussed, you’ll be able to get 5x again in issues on some classes like eating places, fuel stations, and so forth, and the ones issues are value much more as you’ll be able to redeem them for such things as industry magnificence seats to Europe.

If any individual spends $10,000 on their Apple Card in a yr they’ll get again at maximum $300, while the similar $10k spend on a just right rewards card can earn them 50,000 issues, and the ones issues may also be value 4c or extra with a just right redemption, which means the actual price can be $2,000. Actually 7x extra price out of the use of a just right rewards card, and that’s what CardPointers is helping customers do — earn extra from each and every acquire simply by paying with the best card.

Despite the fact that you simply wish to focal point on money again, different playing cards can earn the similar money again because the Apple Card on much more classes and traders. I’d love to peer the Apple Card additional enhance their income classes, and increasingly more banks are doing offers immediately with explicit traders as a type of promoting, so I believe we’ll proceed to peer extra of that throughout all playing cards as a brand new income for them.


Wrap up

CardPointers is to be had as a loose obtain, with an in-app subscription to be had to free up the CardPointers Professional options.

9to5Mac readers can save 20% on CardPointers Professional’s annual and lifelong plans. In reality, in case you improve to the Lifetime plan with this hyperlink, you’ll additionally get a $100 Financial savings Card that successfully makes the improve loose.

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