The Reavo Mobile App
A sharp card tool today. Your whole financial Cockpit tomorrow.
Reavo is live in the App Store right now. It already does one hard thing well. Here is exactly what it does today, and the honest, funded plan for where it goes.
Where Reavo is today
The real app you can download right now.
Reavo already stores every loyalty and credit card, finds the best card for the store you're standing in, and tells you why. That is a genuinely hard problem, solved. These are actual screenshots, not concepts.
We're honest about the gap. Today's app organizes and recommends, but it still asks you to connect the dots. It shows your data more than it tells you what to do, it stops at cards, and it can't yet show you your whole financial picture. That is not a flaw to hide. It is the map for what we build next.
Today, and where we're going
Every shortcoming has a solution and a direction we've already designed.
Same app, three honest steps forward. Nothing here over-promises, each step is in a written, funded plan.
It surfaces a tip and some counts, but you still decide what matters most this morning.
You paid with the wrong card 11 times. Here's the fix, it takes one tap.
A new offer bumped your AA Visa from 2% to 4% on groceries.
Use your AA Visa here for 4% back , your best card today.
You're paying $550/yr for a card returning $180 . We think you should drop it.
It opens with a single "Do this next," tuned to whether you are a student, a family, or a go-getter, plus where you are right now and what your wallet is quietly costing you.
A strong, real feature. But it looks at one purchase at a time, not your whole wallet.
This is your oldest card. Ask to downgrade to the no-fee version instead, so you keep the account age and stop paying the fee.
If approved, Reavo is paid $120 by the issuer. That payment had no effect on this card's ranking, we rank on your modeled dollars only.
Pays us $400 , the highest of any card we can offer. It still loses you $210/yr at your spend level. So it's here, not up there.
Good card, wrong time. You opened two accounts in the last 6 months, so applying now likely means a decline and a wasted hard pull.
Two of these three moves earn Reavo nothing.
What to drop or downgrade, what is earning its keep, and the one card that actually fits your spending, with the dollars each move earns you, and the dollars it earns us ($0 on most of them).
Explore WingmanIt tallies cards added and used. Useful, but it is not a picture of your financial life.
You're $20 over your dining budget this month.
Check your cockpit daily. Small wins compound.
Net worth and its trend, a retirement on-track gauge, a Financial Fitness Score, sinking funds including a vacation fund, and working calculators. It opens into the full panel just below.
Explore the Cockpit
Your Wingman
The near-term flagshipThe right card every time, and the honest truth about the ones you already hold.
Wingman flies beside you with no agenda of its own. It reads how you actually spend, checks every card in your wallet, and tells you what to use, what to drop, and what to add, with the dollars behind every call and nothing hidden.
Every “best credit card” list you’ve read was written by someone paid to put it there — comparison sites earn a commission when you’re approved, so the highest-paying cards drift to the top. Nobody earns a cent telling you the card in your wallet is quietly costing you money. Wingman is built the other way round.
How Wingman works
The more Reavo learns about your life, the more specific the advice gets.
Generic advice is worthless. Wingman gets narrower — and more useful — the longer you use it.
Reads your wallet
Which cards you hold, what each one earns you, and what each one costs you every year.
Learns your life
Location, household, spending patterns, the loyalty programs you love, and the goals you’ve told us about.
Models the dollars
Every card gets a number: what it would genuinely return you, in a year, at your real spend.
Shows its work
One plain reason per recommendation, your approval odds, and exactly what we’re paid — before you apply.
This is your oldest card. Ask to downgrade to the no-fee version instead, so you keep the account age and stop paying the fee.
If approved, Reavo is paid $120 by the issuer. That payment had no effect on this card's ranking, we rank on your modeled dollars only.
Pays us $400 , the highest of any card we can offer. It still loses you $210/yr at your spend level. So it's here, not up there.
Good card, wrong time. You opened two accounts in the last 6 months, so applying now likely means a decline and a wasted hard pull.
Two of these three moves earn Reavo nothing.
It audits your whole wallet
Not one purchase at a time. Wingman looks across every card you carry and models what each one truly earns on your real spending, then adds it all up: the net effect of getting your wallet right.
It tells you what to cancel, and earns $0 for it
When a card is quietly costing you money, Wingman says so, and shows the downgrade that stops the fee while keeping your credit age. That advice pays us nothing. That is the whole point of a wingman.
It ranks on your dollars, not the issuer's
Compensation is never part of the ranking model. We disclose what an issuer pays us, in plain dollars, on the same screen, before you apply. The highest-paying card can still land at the bottom if it is wrong for you.
It finds the real gap, and the true fit
One card modeled to the dollar for how you spend, with your approval odds and the kind of credit pull, so you add the right one and skip the ones that would only cost you a hard inquiry.
Trust first. Revenue second.
We built the part that tells you what to cancel before we built the part that pays us.
The Cockpit
Coming to the appYour whole financial picture on one instrument panel.
A pilot reads a cockpit at a glance. Reavo makes your financial dashboard just as readable: net worth, cash flow, goals, sinking funds, and what to do next, all in one place.
Credit score
Very GoodRetirement, on track
estimateAn educational estimate of progress toward your goal. Personalized planning runs through licensed partners.
Spending & accounts
- Housing 40%
- Food 20%
- Transport 15%
- Everything else 25%
- Checking $3,120
- Savings $12,400
- Investments $116,900
- Credit cards -$4,020
Sinking funds
Cash flow this month
Warning center
You're $20 over your dining budget this month.
Heads up: subscriptions are at 95% of your limit.
Dining is $20 over and your card is 1% above target. Reavo can re-plan the rest of the month to pull you back inside both.
You set the limits. Reavo watches them, warns you early, and re-plans the moment you cross one.
Rewards earned
Loan calculator
Illustrative estimate. Reavo shows the true cost before you commit, and which sinking fund to pull from.
Start with the card in your hand. Grow into the whole picture.
Reavo is free for students and military, always.
Join the wait list“Today” screens are real screenshots of the current Reavo app. “Tomorrow” screens and the Cockpit are design previews, not yet live. Sample data only.