The best reward card app is probably Stocard. Stocard is a free app that lets you input the information of all your store loyalty rewards cards, which allows you to use your app instead of carrying around a wallet full of cards. You can input each loyalty rewards card’s information manually or scan its barcode using the app (depends on the type of rewards card). Then, when it’s time to pay, you can have the cashier scan the barcode on the app or type in the card’s ID number to access your reward card.
Stocard is available for free on the Apple Store and Google Play store. One other thing to note – the app isn’t just for loyalty rewards cards. Stocard can also store gift cards, Passbook/Apple Wallet Passes and airline tickets. It doesn’t work with credit cards, though.
If you have a rewards credit card, the best reward card app is the app of your credit card issuer. Downloading it will let you manage every aspect of your credit card account on the go. You can do all kinds of things, from paying your bill to checking your rewards to adding an authorized user. And you’ll be able to log in using the same information as your online account.
Each credit card company has its own rewards program. And each credit card rewards program has a unique reputation. Some are known for good customer service. Others are notable for offering rewards cards to people with less-than-good credit. You can find the latest rankings in WalletHub’s annual Credit Card Rewards Study… read full answer, which reviews major credit card rewards programs based on earning potential, eligibility, transparency and more. The study also includes scores and rankings for individual cards.
Given that your ultimate goal should be to find the single best rewards card for your needs, your focus should be more at the card level than the issuer or rewards program level. The quality of a rewards program matters in the sense that it impacts what you can redeem your earnings for and how much they’re worth when you do. But a credit card’s core terms – annual fee, rewards earning rates, etc. – are what matter most.
With that being said, the first step in choosing the right rewards program is asking yourself this question: Do I rack up 30,000+ airline miles or 20+ hotel nights per year?
If your answer is “yes,” get one of WalletHub’s best travel rewards credit cards. Most people will be better off with a card that’s equally rewarding no matter where you book travel accommodations. But if you always fly with the same airline or stay at the same hotel chain, it’s worth at least considering that company’s credit card.
If you answered “no,” we recommend getting the best cash back credit card for your spending habits. Credit card companies can easily devalue points/miles by increasing the number that you need to redeem for certain items. That makes saving them up for infrequent redemption a bit risky. But issuers can’t play the same games with cash. Cash back rewards also give you versatility in that you can redeem earnings for any type of expense by getting a statement credit.
A Mastercard virtual credit card is a tool for safer online shopping. But it’s not a separate account that you have to apply for. Rather, it’s a free service that you can enroll any Mastercard credit card in, which randomly generates stand-ins for your card number and security code when you buy things online so the real information doesn’t get stolen. Mastercard’s service is called Masterpass. Alternatively, … read full answerCiti and Capital One have their own digital wallets, for those of you with a Mastercard from one of them.
Signing up for a Mastercard virtual credit card isn’t a bad idea, considering the threat of identity theft and fraud. But it’s important to remember that all credit cards give you a $0 liability guarantee for unauthorized transactions. So even if someone does get ahold of your credit card number, you won’t have to pay for what they buy.
How to Get a Mastercard Virtual Credit Card Number:
Through Mastercard: Mastercard’s free Masterpass Digital Wallet lets you make purchases without typing in your card number, security code or address. You just need to click “Masterpass” at checkout and sign into your account using a password, PIN, fingerprint or facial recognition. To make a free Masterpass account, go to Masterpass.com and enter your email or phone number to get started. You’ll then need to put in your Mastercard information, name, and billing address. Lastly, you’ll have to create a password. The only drawback to this system is that not all merchants support Masterpass.
Through Visa: Visa has its own digital wallet program, and you can actually add Mastercards to it, too. It creates a unique “payment token” that takes the place of your card information when you check out online. To enroll, create an account online and then put in the information for any cards you want to add. Like Masterpass, this system is not universally accepted yet.
Through Citi: Citi’s virtual wallet offers a high level of protection and will randomly generate you a different card number (along with an expiration date and security code) to use online at each merchant you request it for. If someone gets hold of that number and tries to use it somewhere else, it won’t work because it’s not authorized to make purchases anywhere else. Purchases made with the virtual number show up on your normal statement but will display the virtual number used too. In order to start generating numbers, go to Citi’s page to read up on their policy, then click “Enroll In/Get,” log in to your Citi account and request a number. It’s free.
Through Capital One: Capital One Eno will generate a virtual card number for each merchant you shop with online, as long as you have a Capital One credit card. In addition, Eno serves as a virtual assistant that can do things like tell you your balance, monitor your spending, send you fraud alerts and more. To get started, read up on the program on Capital One’s website. Then, follow the directions to add Eno to your web browser so you can use virtual card numbers at checkout.
Bank of America also used to offer a free “ShopSafe” service that would generate a new virtual credit card number on demand. However, this program was discontinued in September 2019.
At the end of the day, keeping your credit information safe is important, and getting a Mastercard virtual credit card can help. You can also supplement that by monitoring your credit for any signs of unauthorized use by signing up for a free WalletHub account, where we’ll give you daily-updated versions of your credit report and score and let you know if anything seems suspicious.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.