User saves
FruglApp finds the best card and the best way to use it.
FruglApp
More cashback.Zero guessing.
The AI-powered wallet that helps you choose the best card for each purchase.
The problem
Choosing the right card shouldn't be this hard.
One card earns more on groceries. Another is better for dining. Keeping track of the rules takes work, especially when you're ready to pay.
FruglApp helps you compare your options so you can choose with confidence.
7+
cards & accounts to track
3 sec
to choose at checkout
$33B
of available rewards unused each year
Complexity → FruglApp → Clarity
How it works
Get more from the cards you already have.
Connect your cards, then see which one works best for each purchase.
01
Add your cards.
Bring your cards together in FruglApp.
02
Choose FruglApp's pick.
Right card, right moment, zero second-guessing.
03
See what you earned
After you pay, see how much you spent and how much cashback you earned.
Best card right now
See the difference the right card can make.
Different cards can earn different rewards on the same purchase. Here's an example of how FruglApp compares your options.
Demo data
Whole Foods
$86.40
Illustrative example. Actual rewards depend on your card's terms and the purchase.
Best match
Everyday Plus Card
4% cashback on groceries
+$3.46
Option 2
Flat Rewards Card
1.5% cashback on everything
+$1.30
Option 3
Journey Card
1% cashback on other purchases
+$0.86
Why this card?
Highest cashback rate for groceries on this purchase.
+$2.16 more than Flat Rewards Card
Why this card?
See why a card is recommended.
Before you pay, FruglApp shows:
- Which card to use.
- The cashback percentage for your purchase.
- How that rate compares with your other cards.
My Savings
See how your rewards add up.
+$0.00
Total cashback earned in a month
Recommendation becomes a decision. The decision becomes savings. Review your activity, cashback earned, and cashback missed when you chose a different card—all in one place.
Product
Keep the rest of your finances in view.
Alongside card recommendations, FruglApp brings together tools to help you:
- Plan your budget.
- Track your net worth.
- Review transactions.
- Follow your savings goals and more.
Business model
Users have to win first.
We help you earn more rewards from your cards. Choose to pay a share of the extra savings we help you achieve, or a fixed monthly price. You get the same recommendations either way.
FruglApp creates value
The recommendation leads to real savings for the user.
FruglApp earns
We succeed only when the user does.
Performance commission
Keep 90% of the extra savings we help you achieve. Pay us 10% only after those savings are confirmed.
or
Premium subscription
$9.99 per month for the same features and recommendations, instead of the 10% fee.
Our team
Meet the team behind FruglApp.
A team of passionate experts building the future of payments, together.
Co-founder
Nitin Kumar
Building the world's most trusted recommendation engine for credit cards and payments.
Co-founder
Renee Henry
Driving innovation and building strategic partnerships to create impactful financial solutions for everyone.
Design Strategist
Vincent Chazal
Designing seamless digital experiences that are intuitive, inclusive, and built around real user needs.
FruglApp
Know which card to use before you pay.
FruglApp brings your card rewards together to help you make a choice at checkout.