the app
How it stacks up
to the rest.
Flo is the only app built to manage every credit and debit card in one place — with AI-powered insights that other apps simply can't match.
Start StackingSubscriptions
6 optimized
Earn more from every subscription.
Flo automatically routes every recurring charge to the card that earns you the most — turning subscriptions you're already paying for into points, cashback, and miles.
from subscriptions alone
in fcus.
Universal Card Coverage
Every card.
One command center.
Connect all your Visa, Mastercard, Amex, and more. Flo unifies rewards, perks, and benefits across every card you carry.
Simple pricing. Serious value.
Start free with one card. Upgrade when you're ready — or get Pro on the house through a premium card approval.
The full Flo experience — limited to one card.
- Connect 1 card via secure Plaid link
- Full reward optimization engine
- Subscription & perk tracking
- Annual fee reminders
- Every core feature included
Then $230/yr. Billed annually. Unlimited cards, unlimited upside.
- Unlimited cards via secure Plaid connections
- AI-powered spend routing across your wallet
- Real-time perk & credit tracking
- Renewal alerts & retention playbooks
- Priority support
Get approved for a premium card through Flo and your Pro subscription is free.
- All Pro features included
- Hand-picked premium card offers
- Personalized approval odds
- Free Pro for a full year per approval
- No commitment — cancel anytime
Prices in USD. Cancel anytime. Taxes may apply in your region.
Over 1,000 5-Star Reviews
Don't just take our word for it.
I was leaving hundreds of dollars on the table every month. Flo showed me which card to use for every category and I've saved over $2K this year alone.
Finally an app that actually understands credit cards. I have 8 cards and Flo keeps track of every perk, deadline, and rotating category for me.
The subscription tracker alone is worth it. Found 3 forgotten subscriptions charging cards I barely use. Canceled them in minutes.
I travel constantly and this app is a game-changer. It tells me exactly which card gets me lounge access, travel credits, and the best exchange rates.
Clean, fast, beautifully designed. It's like having a personal CFO for your credit cards. The smart spend routing is incredibly accurate.
My Amex Platinum perk nearly expired without me knowing. Flo saved me $200 with a single alert. Paid for itself instantly.
Every swipe, scored in real time.
Flo evaluates every transaction the moment it posts — cross-checking category bonuses, rotating offers, and issuer-specific perks to tell you exactly how much you earned (or could have).
See it in actionTrusted by the cards you carry.
Flo integrates directly with the world's top card issuers and financial platforms, ensuring your rewards, perks, and benefits are always accurate and up to date.
Three steps to maximum value.
Set up once and let Flo do the heavy lifting every time you swipe.
Add your cards
Connect the cards in your wallet. Flo instantly pulls rewards categories, perks, and credits for every one.
Let the algorithm work
Flo watches bonus categories, quarterly rotations, and merchant codes so you always know which card to use.
Earn more on every swipe
Get point-by-point breakdowns, unlock hidden offers, and never miss a perk or credit you're already paying for.
Built with bank-level security.
Your financial data is protected by the same standards used by top US banks.
Simple & Secure
Biometric sign-in and two-factor authentication keep your account locked down.
Encrypted Protection
End-to-end TLS encryption in transit and AES-256 at rest on every connection.
Rigorous Compliance
SOC 2 aligned infrastructure with read-only connections — Flo never moves money.
Enhanced Privacy
We never sell your data. Ever. Revenue comes from card partners — not your info.
Frequently asked questions.
Who is Flo made for?
How much value can I get from Flo?
Does using Flo affect my credit score?
How secure is Flo?
How does Flo make money?
Which cards and banks are supported?
Ready to get started?