Shuttle routes each purchase to your best credit card.

Rewards example. The wallet contains an existing Robinhood Gold Card, Chase Sapphire Preferred, and American Express Platinum Card. Their published base earning rates were checked on September 15, 2026. Robinhood earns 3% cash back; Chase earns 1× on in-store groceries, 3× on dining, and 2× on direct airline bookings; Amex earns 1× on groceries and dining, and 5× on qualifying direct airline bookings within its $500,000 annual flight limit. This example values each Chase and Amex point at an assumed 1.5¢, not a guaranteed cash redemption rate. Card fees, subscriptions, bonuses, credits, and special offers are excluded because this illustrates choosing between cards already owned. Robinhood’s earning rate requires an active annual Gold subscription, and cash-back redemption requires a Robinhood Financial brokerage account. Issuer terms apply.

Interest example. Switching to “I have a balance to pay off” uses a separate wallet with fictional card names and sample account APRs. It compares 90-day estimated purchase interest minus cash back, using a constant financed amount and simple interest: amount × APR × 90 ÷ 365. This is a comparison, not a repayment schedule. Minimum payments are required. Fees, compounding, payment timing, promotions, and other balances are excluded.

Paying in full assumes an active purchase grace period and the full statement balance paid by its due date. A real routing decision needs your account terms, available credit, fees, offers, and grace-period status. Read the CFPB’s explanation of purchase grace periods. Named cards illustrate the concept; supported cards and reward treatment through Shuttle are still to be determined.