Simplify credit card eligibility

Save time by automating approval rules for Chase, Amex, Citi, & more.

Strategically navigate annual fees

Get help with upgrade and downgrade options

Optimize your wallet

Discover how to put more money back into your pocket.

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Your digital smart wallet includes

Intelligent credit card guidance

  • Credit card eligibility checker instantly finds hidden application rules
  • Automated calculations for 60+ credit card rules for major banks

Annual fee insight & assistance

  • Interactive timeline to help track annual fees and accounts
  • Automated upgrade and downgrade suggestions

Next level wallet organization

  • Profile tabs to easily view and manage cards for P1 and P2
  • Easy to use drop-down menus to organize past, pending, and future credit card apps

Point optimization 101

  • Cheat Sheet shows you cards that offer the best return on your spend for each major category
  • Points tab shows you how much your miles and points are actually worth


  • Notifications show you when you're eligible for your desired credit card
  • Timely reminders help you keep your accounts open and request credit limit increases

How WalletFlo works

You can use WalletFlo in two different ways

1. Find approval rules (including hidden policies)

Simply click on a card and you can find approval rules that can help you get approved and avoid rejections.

2. Automate your eligibility

Take a few minutes to input your credit card details like your account opening dates and you can easily figure out what cards you are eligible for. You’ll also be able to view helpful breakdowns of your points, annual fees, credits, etc.

WalletFlo is simple and secure. 

No SSN, DOB, or credit card numbers needed.