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Downloadable computer software for credit card rewards optimization; Downloadable computer software for providing geo-location based credit card recommendation to maximize loyalty points and rewards; Downloadable computer software for providing transaction notifications and spending tracking tools; Downloadable computer software for tracking credit card rewards, miles and points; Downloadable computer application software for mobile phones, namely, software for credit card rewards optimization; Downloadable computer application software for mobile phones, namely, software for providing geo-location based credit card recommendation to maximize loyalty points and rewards; Downloadable computer application software for mobile phones, namely, software for providing transaction notifications and spending tracking tools; Downloadable computer application software for mobile phones, namely, software for tracking credit card rewards, miles and points