Frequently asked questions

The short version: the right card, handed to you — no bank linking, no affiliate spin.

What is SwipeCaddy?
SwipeCaddy tells you which credit card already in your wallet to pay with at a given store or category, so you earn the most rewards. It is not a sign-up or affiliate recommender — it works with the cards you already hold.
Do you connect to my bank or see my transactions?
No. SwipeCaddy never links to your bank and never sees your transactions or card numbers. You tell it which cards you carry; everything else is a lookup against public rewards data. The ranking is computed on your phone, and it never leaves it. As a guest, nothing leaves your phone at all; if you sign in, we save which cards you picked so you can restore them on a new phone — never card numbers or details.
How does SwipeCaddy decide which card is best?
For each store or category, we rank your cards by reward rate times a conservative cash value of the points or miles they earn — then surface the fine print (activation, caps, portal-only rates, network acceptance) so the best answer is one you can actually get.
Why do you use conservative point values instead of the big transfer valuations?
Aspirational transfer valuations make points cards look better than a plain cash-back card almost everywhere, which is misleading for most people. We rank on a conservative cash-equivalent and show transfer upside separately, so a 6% cash card isn't unfairly beaten by a 4x points card you may never transfer.
Do you earn a commission when I use a card?
No. SwipeCaddy takes no affiliate commissions and has no incentive to steer you to any particular card. We only tell you which of your own cards to reach for.
How many cards are covered?
SwipeCaddy currently covers the most popular U.S. personal and business rewards cards, and the list keeps growing.
Where can I get the SwipeCaddy app?
SwipeCaddy is live now — free on the App Store (iOS) and Google Play (Android). You can also browse the card and category guides here on the web.
How do I delete my SwipeCaddy account?
In the app: open Settings, tap “Delete my account”, and confirm — the deletion is immediate and permanent. If you've uninstalled the app, email hello@swipecaddy.com and we'll complete it within 30 days. Full details, including exactly what's deleted and what's kept, are at swipecaddy.com/en/account-deletion.