The Birch team is developing tools to help consumers get the most rewards from their credit cards. Their simulator syncs up to a user’s current debit & credit accounts, scans the past transaction history up to 2 years, and stimulates the rewards that person would have gotten had they put all their exact purchases on different cards. Based on spending habits, buying trends, rewards preferences and so much more, they can recommend the best card for every unique individual.

On the go, the Birch mobile app will automatically recognize where and when someone is shopping, and based on the merchant and all the current deals, recommend the best card to use to maximize rewards.