Swyp All-in-One Credit Card Learns Your Spending Patterns

Swyp All-in-One Credit Card Learns Your Spending Patterns

February 5, 2015         Written By Bill Hardekopf

Swyp, a new innovation from Qvivr, is a digital wallet which acts as an all-in-one credit card. SWYP has a chip that stores account information for each of your cards. What makes this device special is the fact that it can predict which credit card you are going to use based on the time of day or the type of store you’re visiting.

The card can be read on EMV card machines as well as traditional credit card processors, making it different than most mobile wallets which work only on NFC-enabled terminals.

At first glance, Swyp may seem like many of the other all-in-one credit cards on the market. Much like the highly-anticipated Coin card, Swyp has the ability to store up to 25 credit and debit card numbers in a thin, sleek device that looks and acts like a traditional credit card. The card is made of a durable metal alloy, and it has a button on the outside that allows users to switch between accounts.

Swyp’s ability to anticipate spending habits is what makes it stand out from the competition. The card pairs with a smartphone app and uses the phone’s GPS technology and clock to predict where you are using your card at a given time of day. After it has learned which card you typically use for coffee, home improvement supplies, sandwiches, etc., it will pull the most logical card for your current transaction.

Swyp can also help you capture and organize your receipts.

Swyp is currently available for preorder for $49, but the supplies for the preorder are limited. The price will then double to $99. It is expected to ship in the fall of 2015.

The information contained within this article was accurate as of February 5, 2015. For up-to-date
information on any of the terms, cards or offers mentioned above, visit the issuer's website.


About Bill Hardekopf

Bill Hardekopf is the CEO of LowCards.com and covers the credit card industry from all perspectives. Bill has been involved with personal finance for over 15 years. He is a frequent contributor to Forbes, The Street and The Christian Science Monitor.
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