The honest answers.

No. Connecting via Plaid is totally optional. If you do, Spur uses your spending data to make better, more personalized recommendations. If you don't, the app still works. You'll just get recommendations based on category math instead of your specific behavior.

You can connect, disconnect, or skip it entirely at any time. The full breakdown is on our privacy page.

We're building a standalone Spur Wallet. Once it ships, we won't need Plaid at all. The wallet will work like Apple Wallet does today: Spur gets the NFC tap, not your card details. We recommend the best card at the moment of payment, the transaction goes straight to your bank, and no card info is stored on our end.

Plaid is the bridge to better recommendations today. Spur Wallet is the destination.

No. Points go straight from your bank to you, like they always have. We never touch them.

No. You just tell us which cards you carry, like "Chase Sapphire Reserve", and we know which one earns most at every category.

Your actual 16-digit card numbers stay between you and your bank.

No. We don't sell, share, rent, or trade your info. Not with advertisers, not with data brokers, not with anyone.

The beta is free to test. At launch, Spur will be a paid monthly subscription through the App Store with a 14-day free trial — it auto-renews after the trial unless you cancel in your Apple subscription settings. The price will be announced before launch.

iOS beta is rolling out in small waves now. Public launch is summer 2026.

Eventually. iOS first, because that's where Apple Pay and Live Activities make this app feel native. Android is on the roadmap.