Reward Architect
Maximize credit card benefits
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
New: Lounges Near Me. At the airport, see every lounge and which ones your cards get you into — green check or red X, instantly.
Reward Architect helps you get every dollar of value out of the credit cards you already carry. Stop losing money to unused annual credits, forgotten benefits, and annual fees that quietly outlast their value.
WHAT YOU CAN DO
• Track your card wallet — every card, its annual fee, and its anniversary date in one place
• Never miss a benefit — track travel, dining, and other credits with reset-cycle reminders so they don't expire unused
• Know which card to use — the Spend Optimizer tells you the best card for any purchase category
• See your real annual value — the Annual Review compares fees paid with benefits used, so you know which cards are worth keeping
• Track points & miles — every loyalty balance in one place, with estimated dollar value
• Lounges Near Me — at the airport, see every lounge and which ones your cards get you into
• Lounge access at a glance — a green check shows the card that gets you in; a red X shows which networks a lounge accepts
• Plan upcoming trips — add a trip and automatically see lounge options at every airport on your itinerary
• Share with household members — pool visibility across cards with people you trust (Master plan)
WHY REWARD ARCHITECT
Everything is entered by you. Reward Architect never connects to your bank or card accounts, and never asks for account numbers, CVVs, or online banking credentials you identify cards by product name only. Lounges Near Me uses approximate location only while you use it, and your location stays on your phone. No ads, no ad tracking, no selling your data.
PLANS
• Free Architect — track up to 3 cards with benefit tracking and the Spend Optimizer
• Pro Architect — up to 15 cards, alerts, Annual Review, lounge search, and AI features
• Master Architect — up to 50 cards, everything in Pro, plus household sharing
SUBSCRIPTIONS
Pro Architect and Master Architect are available as monthly or annual auto-renewing subscriptions. Payment is charged to your Apple ID account at confirmation of purchase. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period, and your account is charged for renewal within 24 hours before the end of the current period. You can manage and cancel subscriptions in your Apple ID account settings after purchase.
Terms of Use: https://www.rewardarchitect.com/terms
Privacy Policy: https://www.rewardarchitect.com/privacy
Questions or feedback: info@rewardarchitect.com
The developer, Quarterdeck Software LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
- Purchases
- Financial Info
- Location
- Contact Info
- User Content
- Search History
- Identifiers
- Usage Data
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Quarterdeck Software LLC
- Size
- 63.6 MB
- Category
- Finance
- Compatibility
Requires iOS 16.4 or later.
- iPhone
Requires iOS 16.4 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
- iPhone
- Languages
- English
- Age Rating
18+
- 18+
- In-App Purchases
Yes
- Master Architect $79.99
- Master Architect $8.99
- Pro Architect $39.99
- Pro Architect $4.99
- Copyright
- © 2026 Quarterdeck Software LLC