Need a hand? We're here to help

More than 90 popular cards from over 25 banks, including Chase, American Express, Capital One, Citi, Discover, Bank of America, Wells Fargo and U.S. Bank. Missing one you carry? Email us and we'll look at adding it.

No. There's no sign-up, email or password. Open the app, pick the cards you carry, and you're ready.

It doesn't need them. Knowing which cards you have is enough to compare their rewards. Lucro will never ask for a full card number, a bank password or access to your accounts. You can optionally add a card's last 4 digits to help you spot it at checkout; they stay on your phone.

For the store or category you choose, Lucro applies each card's published rewards rules: everyday rates, store and category bonuses, rotating quarterly 5% categories, categories you picked, and spending caps you've reached.

Points and miles are counted at a conservative cents-per-point value so they compare fairly with cash back. Tap "Why this card?" on any answer to see the reasoning.

Costco warehouses in the U.S. only accept Visa credit cards, so Lucro hides cards on other networks there and tells you how many it left out.

Some cards, like Chase Freedom Flex and Discover it, pay 5% in categories that change every quarter, but only after you activate the bonus with your bank. Tap Activate now in Lucro's notifications to open your bank, then come back and confirm. Lucro counts the bonus once you've marked it activated.

Cards like U.S. Bank Cash+ and Bank of America Customized Cash let you choose your bonus categories. Pick the same ones in Lucro that you chose with your bank, and Lucro uses them when ranking. Near the end of each quarter it asks whether to keep the same picks.

Turn them on in Profile, then Deadline reminders. Lucro schedules notifications on your phone a week and a day before an activation deadline, when a new quarter's bonus opens, and when it's time to confirm next quarter's picks. Reminders are created on your device, not sent from a server. Turn them off any time in the same place.

In Profile, tap Save a backup file and save it to iCloud Drive or Files. On your new phone, open Lucro and tap Restore it on the welcome screen (or Restore from a backup in Profile) and choose the file. Backups include your cards, picks and favorites, never card numbers.

Tap Wrong card? on the answer and tell us what happened. Your report is saved in Notifications, where you can share it with us. Reports help us fix store categories and card terms for everyone.

On the answer, tap Hit the cap? Lucro skips that bonus until it resets (monthly, quarterly or yearly) and shows the next best card instead. You can undo it in the card's details.

Yes. Everything runs on your phone. When you're online, Lucro quietly checks for updated card terms.

Your data is only on your phone, so you're in control. In Profile, tap Erase all data, or simply delete the app. We don't hold a copy anywhere.

Yes, Lucro is free to use. If we ever add paid extras, the core answer of which card to use will stay free.