Market Research + Data
About 87% of credit card users have a card that gives them rewards
But, about 70% of rewards card holders have rewards, miles, or points that are unused
40% of these card holders haven’t even used a single reward point in the past calendar year
Out of those who did redeem rewards, around 71% of them redeemed cash back rewards
However, only 21% used gift card or merchandize rewards, 12% used hotel rewards, and 12% used flight miles
Upgraded Points, Credit Card Companies
Visa: 335 million cards, 52.8% market share
Mastercard: 200 million cards, 31.6% market share
Discover: 51.4 million cards, 8.1% market share
American Express: 47.5 million cards, 7.5% market share
Competitors
MaxRewards
Analyzes your spending habits to recommend credit cards with offers that fit your spending
Assists with earning cash back rewards
Tracks your spending towards bonuses like sign up offers
The Points Guy App
Tracks your previous spending, and can tell you which cards to use at different places to maximize your rewards or cash back
Users can also track their hotel rewards points with this app
Has a feature that allows users to spend their rewards points on flight
Mint
Budgeting app that keeps track of your financial information in one place to give you an overview of your finances
Can sync bank accounts, credit cards, money management accounts, retirement/investment accounts, and other financial accounts
Tracks your transactions and sorts them into different categories
Points Guy App
Focuses only on travel related rewards
Sphera
All Rewards
Easy to View
The Home page provides users with a clean overview of their credit card activity, recent transactions, and total accumulated points. Each purchase is annotated with the number of points earned or redeemed, helping users build awareness of how their spending translates into rewards. The card carousel at the top allows users to quickly toggle between multiple linked accounts.
The Insights page transforms raw financial data into actionable visuals. A monthly summary displays total spending, categorized breakdowns (e.g., Travel, Groceries, Dining), and points earned per category. This page gives users a clear sense of their spending patterns and highlights which types of purchases are the most "reward efficient."
Wireframes
Home / Onboarding Screens
The first few frames introduce splash/loading views and a multi-step onboarding process. These help establish brand tone and collect key user preferences for personalized insights later in the app.
Dashboard & Rewards Summary
Users are presented with a tile-based layout that surfaces active credit cards, current reward balances, and high-level insights like reward categories and utilization rates. Visual indicators like progress rings and toggle switches guide user attention and encourage interaction.
Insights & Recommendations
The middle section includes wireframes focused on personalized recommendations based on spending behavior, reward optimization strategies, and upcoming statement dates. Modular cards and carousel layouts make data scannable while remaining actionable.
Credit Card & Offer Management
These screens include card-specific breakdowns, dynamic toggle settings (like notifications and category tracking), and add/remove functions. Users can compare cards, browse optimized reward suggestions, and receive real-time updates on relevant promotions.
Profile & Settings
The final wireframes cover account management, toggles for data-sharing preferences, and settings related to reward syncing and app notifications. Button placement and icon hierarchies maintain consistency with the rest of the app.
Onboarding
Sphera Rewards – Onboarding & Login Screens
These mobile UI screens introduce users to Sphera, an app that helps people make the most of their credit card rewards. The design uses soft gradients and floating circles to create a calm, modern look that reflects the app’s focus on ease and personalization.
– Splash Screen
A clean logo screen sets the tone with simple branding and smooth visual transitions.
– Onboarding Screens
Two short screens highlight the app’s value: recommending the best ways to spend rewards and showing a global database of reward options. Each has a clear call-to-action button to move users forward (“Next” and “Get Started”).
– Login Screen
A minimal, user-friendly login page with email and password fields, a “Remember me” option, and quick access to password recovery. It also supports social logins with Facebook, Twitter, and Google.
Dashboard & Analytics
Sphera Rewards – Dashboard & Analytics Screens
These mobile UI screens showcase the core functionality of Sphera, helping users track spending, rewards, and savings in a clear, engaging way. The interface uses soft gradients, data cards, and subtle animations to present financial data without overwhelming the user.
Cards & Transactions Screen
Users can swipe between active credit cards and view recent transactions, each labeled with point gains or losses. Icons help categorize purchases at a glance.
Savings Overview
A data card shows how much a user has saved annually, paired with a scrollable calendar bar that visualizes daily redemptions or savings.
Weekly Insights
A line graph highlights weekly trends in rewards redeemed vs. points saved. Toggle options for daily, weekly, and monthly help users explore patterns in their financial behavior.
Accounts Screen
This page breaks down point balances across various linked accounts (e.g., airlines, stores). Progress bars and color-coded percentages indicate how close users are to redemption thresholds.
Rewards Screen
Users can see what rewards are available based on their points. The screen connects accounts with redemption goals, using red or green highlights to show progress and urgency.
Spending Insights, Recommendations & Navigation
Sphera Rewards – Spending Insights, Recommendations & Navigation
These screens give users deeper visibility into their spending habits, reward breakdowns, and app functionality. The interface blends smooth gradients and clean visuals to make personal finance feel more approachable.
Activity Summary
A breakdown of monthly spending by category using a circular chart. Each section highlights the amount spent and points earned per category (e.g., Travel, Groceries, Dining).
Transaction History
A searchable list of recent transactions organized by date, with points earned or deducted clearly marked. Each row includes recognizable icons for fast identification.
Credit Card Recommendation
A tailored suggestion based on user spending behavior. In this example, heavy travel spending prompts a recommendation for the American Express Platinum Card, with a brief explanation and call-to-action button.
More Menu
A clean 3x3 grid layout links users to deeper functionality like Rewards, Notifications, Preferences, and Transfer. Each icon uses a distinct color for easier navigation and quick recognition.
Travel Integration & Alerts
Sphera Rewards – Travel Integration & Alerts
These screens expand Sphera’s functionality beyond rewards tracking, offering travel planning tools and real-time notifications. The design remains clean and visual, with a consistent use of gradients and rounded cards for readability and flow.
Travel Destinations
A scrollable card interface lets users browse vacation spots based on price and location, starting with the Thailand Islands. This feature links travel intent to potential point redemptions.
Date Selection
A calendar UI allows users to choose travel dates. The layout supports forward planning, pairing well with travel deals and reward optimization features.
Cards & Transactions
A revisit of the cards overview screen, now with updated transaction examples like PlayStation purchases, bank transfers, and rent payments. This keeps spending history visible and tied to card performance.
Notifications Panel
Alerts inform users of key updates—like reaching point milestones, expiring rewards (e.g., Starbucks), or missed redemption opportunities (e.g., Delta). Visual hierarchy and icon cues make each notice easy to scan.
Preferences, Reminders & Point Transfers
These screens personalize the user experience even further, helping users set preferences, track reward expirations, and move points between programs. The layout is soft, intuitive, and highly visual.
User Preferences
Users can select hobbies, interests, and gender identity to tailor recommendations. Tag-like buttons with light interaction styling support quick updates.
Reward Reminders
A scrollable list highlights rewards that are about to expire across various brands. Each entry shows the time remaining and uses brand icons for quick identification.
Recommendations
Based on selected travel dates and preferences, Sphera surfaces curated bundles like flights, hotel stays, and events. This gives users a clear, guided path to redeem their rewards meaningfully.
Point Transfers
Users can move points between programs (e.g., Chase → Hilton) with a simple tap. This flow simplifies a complex process often buried in other apps, making redemption more flexible and user-friendly.
