• Ask Steward: get answers about your cards and rewards, on your device. • Smart Insights now highlight benefits you haven't used. • Circles: share picks with your household or friends. • Points Health shows how your points' value has changed over time. • Faster card and loyalty program setup, grouped by bank. • Gesture, haptic, and stability improvements.

• Faster setup: after sign-in, pick your cards, add the Apple Wallet pass if you want it, and you're done. • Spending, loyalty programs and affiliations, and eligibility are now in a "Finish setting up" checklist on your Wallet. • Location and notification permissions are asked together on the last setup page. • Bug fixes.

• Saved offers you haven't activated now show up as a hint under your recommendation on Home. • Card art in the wallet carousel fits the card shape instead of cropping, and shared cards look sharper. • More accurate point values, including Chase, Amex, Capital One, Citi and Bilt, and consistent pricing for travelers across the app. • The booking calculator uses each program's own checkout wording. • Faster recommendations, especially with many nearby places. • A refreshed splash screen, and the Explore refresh arrow now stops once results load. • Fixes for trip checklists, the onboarding survey and syncing after membership changes.

UI polish

An expanded card database, with card art throughout the app. Add financial affiliations like memberships, accounts and employers, and Steward suggests the cards they make you eligible for. The Apple Wallet pass shows your best card as you arrive, no app open needed. Interactive point value charts show how each program's value has moved, from 6 months to all history. Your widget sheet now shows the card to use and its Steward point value. Record how much of each card credit you've used.