topic Re: Glyph: iPhone app to find the best CC rewards in Credit Cards

Glyph: iPhone app to find the best CC rewards

brother7 — Wed, 26 Dec 2012 20:30:12 GMT

Has anyone tried this?

http://techcrunch.com/2012/11/13/glyphs-new-iphone-app-tells-you-what-credit-cards-to-use-to-earn-better-rewards/

Re: Glyph: iPhone app to find the best CC rewards

Anonymous — Wed, 26 Dec 2012 20:38:29 GMT

I just downloaded it. Will report back in a few days when I get my new cards entered. :-)

Re: Glyph: iPhone app to find the best CC rewards

kevinjjc — Wed, 26 Dec 2012 20:38:35 GMT

No, I don't have an iPhone.

Re: Glyph: iPhone app to find the best CC rewards

aplast — Wed, 26 Dec 2012 20:48:09 GMT

I am downloading this app as I type this. Ill put my .02 in after some light use.

Re: Glyph: iPhone app to find the best CC rewards

CreditChampion — Wed, 26 Dec 2012 21:10:53 GMT

Cool app...no credit unions though

Re: Glyph: iPhone app to find the best CC rewards

xiownthisplacex — Wed, 26 Dec 2012 21:17:01 GMT

Wallaby has an app similiar for a few months now.

Re: Glyph: iPhone app to find the best CC rewards

Duncanrr — Thu, 27 Dec 2012 01:45:29 GMT

I downloaded it. Not sure how accurate the recommendations are.

Re: Glyph: iPhone app to find the best CC rewards

Anonymous — Tue, 08 Jan 2013 13:29:27 GMT

Hi All:

Thanks for your feedback on Glyph.

Our goal is simple: help you maximize the benefits you receive from your credit cards. There's a lot to that, and we're just getting started. We welcome any feedback, positive or negative, that you have. Please fire away.

Edited to remove contact information.

Shogun, myFICO moderator

Re: Glyph: iPhone app to find the best CC rewards

djrez4 — Tue, 08 Jan 2013 15:48:41 GMT

Thanks for joining the forum to answer questions, vichichm.

Is Glyph GPS-based like Wallaby? Does it try to guess what merchant you're in based on location?

Does it account for quarterly bonus categories?

If I'm working on an introductory bonus for a card like a Chase Ink, will it allow me to input that information so the Ink trumps other cards?

Re: Glyph: iPhone app to find the best CC rewards

Anonymous — Tue, 08 Jan 2013 21:08:39 GMT

Hi djrez -

Thanks for your questions. Let me take them one-by-one:

- GPS based? Yes, we use the GPS on your iPhone to determine which merchants are nearby, and you can pick them from an easy to use list.

- Yes, we definitely account for quarterly bonus categories. We even account for merchant-level rewards, such as 5% at Starbucks on the Chase Freedom this quarter.

- We do not take introductory bonuses (e.g., x points when you spend y dollars) into consideration at this time. Stay tuned in the future though; you'll see some awesome improvements in the next few weeks.

You can download the app Edited Please let me know if you have more questions or feedback!

Best,

Mike

Edited to remove a direct link to the app.

Shogun, myFICO mod

Re: Glyph: iPhone app to find the best CC rewards

Duncanrr — Tue, 08 Jan 2013 15:57:45 GMT

Thanks for work on app. Y'all need to add Discover It and NFCU cards to your app.

Re: Glyph: iPhone app to find the best CC rewards

aplast — Tue, 08 Jan 2013 16:04:01 GMT

after trying this app out, I can honestly say it is not on my iphone anymore. There were hardly any credit cards I have on the list. Good concept, but weak list of cards IMO.

Re: Glyph: iPhone app to find the best CC rewards

Anonymous — Tue, 08 Jan 2013 16:04:19 GMT

Hey Duncanrr -

Thanks for saying thanks! We are really excited for you to see the next update!

Discover It is in the works, and NFCU will be added to our queue of cards that we're adding. We're adding more cards every day!

Thanks,

Mike

Re: Glyph: iPhone app to find the best CC rewards

Anonymous — Tue, 08 Jan 2013 16:05:31 GMT

aplast -

We appreciate your honesty. Help us improve: what cards would you like to see added? I will make sure they get added in our next update.

Best,

Mike

Re: Glyph: iPhone app to find the best CC rewards

djrez4 — Tue, 08 Jan 2013 16:30:17 GMT

The app has a "your card is missing" option. That's awesome.

Discover IT should definitely be on the list. I suggest focusing on the major, national issuers and military-focused banks and CUs first. Duncan's NFCU suggestion and USAA come to mind. While it would be great if you could include rewards cards from all of the credit unions, you'll drive yourself nuts trying to create that database. There are simply too many.

Also - something everyone said about the Wallaby app: people value different points differently. Here's an example that comes from trying the app just now:

I have a Hilton Amex and a Sapphire Preferred in my wallet right now. There's a restaurant down the street. Glyph tells me I should use the Hilton Amex to get 2% back on that transaction. What the heck does that mean? I get 3 points per dollar at restaurants on that card. General consensus is that those are worth about $0.007 each, so that adds up to $0.021 per dollar. Ok - that's about 2% back. But my Sapphire gets 2 points per dollar, plus a 7% dividend. And, those points are worth at least $0.017 per point, so that's really $0.036 per dollar spent. It should be a no-brainer that the Sapphire gives me better value at the restaurant, but the app selects the Hilton Amex.

That doesn't work for me.

Re: Glyph: iPhone app to find the best CC rewards

aplast — Tue, 08 Jan 2013 16:34:17 GMT

@Anonymous wrote:
aplast -

We appreciate your honesty. Help us improve: what cards would you like to see added? I will make sure they get added in our next update.

Best,
Mike

I apologize if my post sounds rude, It certainly wasnt intended to be recieved in that manner. I feel like there is a lack of GECRB cards on your application, and Im sure myself among others would like to see some more variety there. if you built this application - huge props. I cant judge too harshly since I have never made an app.

Re: Glyph: iPhone app to find the best CC rewards

djrez4 — Tue, 08 Jan 2013 16:36:40 GMT

I'd also like a way to delete myself from your system if I choose to do so.

Re: Glyph: iPhone app to find the best CC rewards

Anonymous — Tue, 08 Jan 2013 16:38:48 GMT

@aplast -

I didn't take your feedback the wrong way at all. My mother always said honesty's the best policy, plus your feedback helps us improve. The entire team at Glyph built the app; I'm but one part of it. I'll pass along your kudos.

You're correct that we don't currently have any GECRB cards in the app; I will make sure we have that updated in our next release.

Please keep the feedback coming!

Mike

Re: Glyph: iPhone app to find the best CC rewards

Anonymous — Tue, 08 Jan 2013 16:41:49 GMT

If you could get an Android version of the app released, that would be an step in the right direction imho.

Re: Glyph: iPhone app to find the best CC rewards

Anonymous — Tue, 08 Jan 2013 16:48:25 GMT

@Cruzimperial:

We are planning for Android, but that will be a couple of months away. Will certainly let you know when it launches.

Our approach has been to work out the kinks with one app, then extend to a different platform.

Thanks!

Mike