Computer application software for mobile phones, namely, software for storing and analyzing past spending history and pre-existing consumer credit card information to provide personalized recommendations for new credit cards that a user can acquire to improve his or her credit card rewards earnings and also create increased savings via reduced fees, based on consumer preferences

Providing on-line, non-downloadable software for storing and analyzing past spending history and pre-existing consumer credit card information to provide personalized recommendations for new credit cards that a user can acquire to improve his or her credit card rewards earnings and also create increased savings via reduced fees, based on consumer preferences