Birch Helps You Maximize Credit Card Rewards

Birch Helps You Maximize Credit Card Rewards

May 11, 2016         Written By Natalie Rutledge

Yesterday at TechCrunch Disrupt NY, Birch launched a new app that helps cardholders get the most from their credit card rewards programs.

Birch is an app that helps consumers manage their rewards programs and points across multiple credit card and banking accounts. After it links to a user’s account and analyzes their spending habits, the program recommends what cards the user should sign up for or which cards they should use to maximize their returns. The only information uploaded to the system is spending habits, and Birch does not interact with other parts of a user’s bank account.

Top Features :No annual fee; $150 statement credit after spending $1,200 in first 90 days; 0% on Purchases for 12 months

“I started reading through a bunch of blogs and forums when I was doing credit card research and was thinking, holy crap this takes forever,” co-founder Alex Cohen said. “Others were complaining about how not really knowing how rewards programs work and applying for the first cards that look good, and when they had them they didn’t know how to redeem points properly. That’s when I had that a-ha moment, we need to talk to some people and see if people will actually use this thing.”

The service isn’t intended to make consumers sign up for more credit cards, according to Cohen. The theory behind Birch is that, by efficiently choosing cards, users can earn free flights and other rewards more quickly.

The company hopes to eventually integrate flight booking into its system so that users don’t need to leave Birch to redeem their points. For now, the app lets users set goals to reach their rewards targets.

While other companies, like Mint, also offer money management applications, Cohen said Birch is the only service that allows users to manage all aspects of their credit card rewards.

“Everyone else is sort of passive, they show your accounts, we want to show you how to turn that into rewards.”

Top Features :No annual fee; $150 statement credit after spending $1,200 in first 90 days; 0% on Purchases for 12 months

The information contained within this article was accurate as of May 11, 2016. For up-to-date
information on any of the terms, cards or offers mentioned above, visit the issuer's website.


About Natalie Rutledge

Natalie Rutledge majored in Communications at Mississippi State University. She was in sales for a number of businesses and spent nine years working as a communications advisor to various entities. Natalie can be contacted directly at
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