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Birch is the #1 finance app that simplifies credit card rewards and keeps track of your spending.

The average shopper can earn up to $700 worth of rewards each year, just by using a reward earning credit card and paying off the balance each month. Birch analyzes your spending and shows you which cards in your wallet to use on every purchase.

New to credit cards?
Birch recommends the best cards for your spending habits so you can start earning rewards.

Already have multiple cards?
Stop trying to memorize all the different ways to earn and redeem rewards and let Birch show you how to optimize the cards in your wallet.

Using Birch is easy—here's how it works:
- Securely sync your credit and debit accounts by simply logging in with your bank's username and password.
- Tell Birch what rewards you like. From flights to hotels to cash back, Birch automatically weeds out cards that don't match your preferences and only recommends cards that fit with your personal spending habits.
- See the real value of rewards. Birch tracks millions of data points and shows points and miles as a dollar value.
- Figure out how you can spend better. Birch looks at your past spending to see when you missed out on rewards by using the wrong cards in your wallet. (The average Birch user earns an additional $200 a year in rewards!)
- Always know what card to use. Birch recommends the best card in your wallet to earn rewards at places nearby along with an up to date list of your active bonus categories.
- See where your money is going and spend smarter. Birch tracks spending across all of your accounts to show you spending trends and actionable insights. (You'll never guess how much you spend a month on burritos...)
- See how your monthly payments stack up. Birch also automatically tracks over 700 monthly subscriptions. From the WSJ to Netflix, you'll never forget about a monthly payment.

What’s New

Version 2.1.5

Generic bug fixes, as well as privacy updates

Ratings and Reviews

4.3 out of 5
337 Ratings

337 Ratings

Fritz5892 ,

Getting Better Everyday

First off this team is great to work with and provides the customer service of a high end car dealership on a daily basis even though they are not charging for the app. While the app as a few shortcomings right now there seems to be a new update every week making the tool more powerful and useful. At the end of the day this is a game changer for credit card rewards and gives visibility to money left on the table which can change your behavior in a manner to benefit your financial future. 1-2% cash back may not seem like a big deal but over a 30 year period it can add up to retirement a year earlier so be sure to use this program to help you get there.

)<@+!3 ,

Vague Categories

I can see how this might be useful, but so far it hasn’t really been useful for me because the categories do not accurately reflect my purchases. For example, the app categorized my rent payment as “home improvement” (gee I wish I could spend $940 a month on home improvement) and then told me I was missing out on cash returns. Except for the fact that I specifically transfer my rent directly from my bank account to avoid the $15 fee for using a credit or debit card, which is probably more than any potential cash back I might earn and which I’m pretty sure I really wouldn’t since it’s not home improvement or anything reward eligible. This happens for other transactions too; many are too vague to be sure I could actually have earned rewards. I realize it would be asking a lot to expect the app to take this sort of thing into account, I’m just expressing why it’s not that useful for me, and as a suggestion, maybe have an option to exclude certain categories/transactions from your score?

Developer Response ,

Hey there!

A couple of quick things:
1 - You can definitely change the category for purchases. We're reliant on what the banks send us back and so sometimes the categorization gets goofed up in the process
2 - If you sign in to your account on web you can choose to not include certain purchases in reward calculations, like this rent payment, for example. We're adding the option on the iOS app soon.

Please send us a chat in app if you have any issues!

Shmunkys ,

Love, love, love

I've been looking for an app like this forever! I love the fact that it first showed me how much I was missing by not using the right credit card and now that I applied, it tracks all of my rewards and shows me when to use my cards.

It's super easy to setup and for someone who doesn't have enough time to stay on top of my credit cards it's an absolutely amazing tool to have on my phone.


Birch Finance, LLC
108.1 MB

Requires iOS 10.0 or later. Compatible with iPhone 5s, iPhone 6, iPhone 6 Plus, iPhone 6S, iPhone 6S Plus, iPhone SE, iPhone 7, iPhone 7 Plus, iPhone 8, iPhone 8 Plus, iPhone X, iPhone XS, iPhone XS Max, iPhone XR, iPad Air, iPad Air Wi-Fi + Cellular, iPad mini 2, iPad mini 2 Wi-Fi + Cellular, iPad Air 2, iPad Air 2 Wi-Fi + Cellular, iPad mini 3, iPad mini 3 Wi-Fi + Cellular, iPad mini 4, iPad mini 4 Wi-Fi + Cellular, 12.9-inch iPad Pro, 12.9-inch iPad Pro Wi-Fi + Cellular, iPad Pro (9.7‑inch), iPad Pro (9.7-inch) Wi‑Fi + Cellular, iPad (5th generation), iPad (5th generation) Wi‑Fi + Cellular, iPad Pro (12.9‑inch) (2nd generation), iPad Pro (12.9‑inch) (2nd generation) Wi‑Fi + Cellular, iPad Pro (10.5‑inch), iPad Pro (10.5-inch) Wi‑Fi + Cellular, iPad (6th generation), iPad Wi-Fi + Cellular (6th generation), iPad Pro (11-inch), iPad Pro (11-inch) Wi-Fi + Cellular, iPad Pro (12.9-inch), iPad Pro (12.9-inch) Wi‑Fi + Cellular, iPad mini (5th generation), iPad mini (5th generation) Wi-Fi + Cellular, iPad Air (3rd generation), iPad Air (3rd generation) Wi-Fi + Cellular,and iPod touch.



Age Rating
Rated 4+
© 2019 Birch Finance, LLC


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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