Track Discover maximum 5% cash back
Discover has a limit of $1500 on its 5% categories. This should be tracked so the app stops suggesting a card after the limit is reached.
Notification if card not used for X months (6,9,12)
Cards with no or low rewards but open for many years should offer notification if card has not been used for a certain time period so it can be used before automatic closing for non use. Closure could directly impact credit score due to change in length of credit history.
Card Anniversary date
It would be nice to have the Anniversary date to pull up on each of our cards. This would be easier and similar approach to retention bonus?
Accounts opened in the past two years
For those that are familiar with the unofficial “5/24” rule that Chase has, it would be nice to show the amount of accounts that have been opened over the past 2 years that show up in our “wallet” screen and can help us plan out a timeline on when we can apply for another chase card. I know under the credit score tab in the wallet it shows, but I think it would look cleaner/simpler to show it along with the overview of all our current cards/accounts.
Suggest new cards based on spending
it would be nice to see recommended cards based on spending habits; ie. Some spend a lot on dining out. You could recommend them a card that offers good points for dining out. Or, I as the user could enter categories that are important to me, and you all could pop up a list of cards that would be the most beneficial for those categories.
Remove Bonus Tracker cards from main page when complete
Rather than waiting for the time to pass on the bonus tracked card, remove it feom the home page upon completion. I find spending habits change to max category after bonus is complete and it is just taking up space telling me how much over the bonus goal was.
As part of new card suggestions, show which credit bureaus will get a hard inquiry
This feature could help card application strategy, for example by distributing hard inquires more evenly across bureaus. Which credit bureau(s) a card application looks at (hard inquiry, aka hard pull) depends mainly on the issuing bank and the state of residence. Data could be pulled from places like Doctor of Credit, or could be crowdsourced by MaxRewards itself.
Send an alert when spending limit is hit
For example, if you spend $1,500 on a Chase quarterly bonus category, you should get an alert when you hit that amount.