The right card, at the right time.

Steward detects where you shop and instantly tells you which credit card maximizes your rewards — factoring in bonuses, offers, and loyalty perks.

See the flow

Real-Time Alerts

All Major Issuers

Major Loyalty Programs

Built for the moment you pay

The recommendation engine behind every tap.

Most rewards tools stop at basic category charts.

Steward goes further, weighing your different payment cards, live merchant offers, loyalty programs, and goals to give you the perfect recommendation.

Arrive with context

Steward recognizes the merchant and category while you are still deciding what to buy.

Score every card

Base rates, quarterly bonuses, merchant offers, and acceptance data are ranked together.

Optimize for your goal

Recommendations can favor cash back, travel points, status progress, or a specific trip.

Respect loyalty status

Hotel, airline, and retail tiers become part of the value calculation instead of a footnote.

Example recommendation

At Nobu Restaurant

Use Sapphire Reserve.

3x Ultimate Rewards on dining

$10 monthly dining credit applied

Chase offer: $15 back on $75+

Runs silently in the background. No app to open. No manual search.

Three steps, no spreadsheet

The best card appears before the receipt does.

Steward is designed for the real world: hands full, line moving, and no time to compare fine print.

Step 01

Walk in

Background location detects the merchant without making you open the app.

Step 02

Get the nudge

A lock-screen notification explains the best card and why it wins.

Step 03

Pay smarter

Use the recommended card and keep progressing toward your rewards goal.

Stacked benefits

The full value is rarely in one line item.

Steward breaks a recommendation into the reasons it wins.

So you trust the nudge instead of guessing.

Recommendation

Marriott Bonvoy Brilliant

Marriott Downtown

Best

Card multiplier
Bonvoy points per dollar
6x
Elite status
Platinum bonus on stays
+50%
Merchant offer
Statement credit on $250+
$50

True value

Goal-aware rewards

The best card changes when your destination does.

The right choice isn't always the highest multiplier—it's the one that gets you where you want to go. Steward prioritizes recommendations based on the rewards you actually want to earn.

Points and miles accumulation

Hotel and airline tier progress

Cash-back savings targets

Trip planning inputs

Current focus

Spring trip to Tokyo

United miles

36,000 of 50,000

72%

Marriott status

34 of 40 nights

85%

Cash back

$240 of $500

48%

About Us

The team behind Steward

Steward is built by two Wake Forest students who left comfortable paths to help people stop leaving rewards on the table.

Aidan Stein

Founder

Wake Forest University — Economics '26

While working in finance Aidan realized how intentionally confusing the rewards space is. After seeing private wealth management clients and their advisors struggle to navigate the space, he built Steward to solve this headache for all Americans.

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Avikar Khakh

Technical Co-Founder

Wake Forest University — Computer Science '26

Following industry experience and prior technical projects, Avikar leads our development team. He is building the model that powers card recommendations, preserves points value, and optimizes redemption.

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Card coverage