Payelle
Payelle is a mobile app that tells consumers which credit card to use at checkout to maximize rewards.
The Problem
People who carry multiple credit cards often struggle to remember which card offers the best rewards for a given purchase at a given merchant. Without help, they either default to a single go-to card or try to mentally track rotating categories and bonus offers across all their cards, which is error prone and easy to forget in the moment of paying. This likely means missed cashback, points, or miles on everyday purchases simply because the optimal card was not top of mind at checkout.
The Solution
Payelle is a free app that analyzes a user's own credit cards, the merchant being paid, and available rewards structures to surface the single best card to use before each checkout. It does not require signing up for a new credit card or line of credit; it works with the cards a person already owns. The site also references a Rewards Optimizer tool and a 'Which Card Should I Use' resource, suggesting the product includes both an in-app recommendation engine and companion web tools for card selection guidance. The app is distributed through the Apple App Store and Google Play.