Bilt 2.0 Tracker
Confused about the Bilt 2.0 push? Us too.
So we built a calculator to take the guesswork out and show exactly where your spend should go.
Credit card rewards app for iPhone
Know exactly which credit card to use, every time.
Centivize helps you maximize points and statement credits with real-time category guidance, expiring-credit tracking, and a clean wallet view built for fast decisions.
Popular card stack examples
A high-value setup, visualized.
This fan-out shows a common rewards lineup: Amex Gold for dining and groceries, Sapphire for travel flexibility, Venture X for premium travel value, and Wells Fargo Autograph for broad everyday categories.
Built for people serious about credit card rewards strategy
Instead of juggling notes, spreadsheets, and memory, Centivize gives you one place to organize cards, optimize categories, and avoid missing valuable benefits.
Amex, Chase, Capital One workflowsDining, grocery, gas, travel optimizationTransfer bonus awarenessCredits dashboard + reminders
Bilt Calculator
See your Bilt setup in real time
Model your spend, compare outcomes, and make cleaner decisions without spreadsheet gymnastics.
Optimize
Find the best credit card for every purchase category
Compare multipliers, spend caps, and transfer opportunities instantly when deciding which card to swipe.
Credits
Monitor monthly, quarterly, and semiannual perks
Filter credits by cadence, see what remains, and take action before statement cycles close.
Widget
Get quick credit action prompts from your home screen
Use the iOS widget to check expiring totals and jump directly into the app when it matters.
More credit card guides coming soon
We’re adding practical tips pages on smart credit card setups, beginner-to-advanced points strategy, and category-specific optimization playbooks.
Beginner wallet setupsFamily + partner setupsTravel points strategyAnnual fee optimization
App Store release incoming
Centivize is currently in final polish. If you want a cleaner way to optimize rewards, track card credits, and remove guesswork, keep this page bookmarked.
Available on theApp Store