Birch Finance Inc.

About Birch Finance Inc.

Birch Finance is a financial technology company that analyzes credit-card spending to recommend the best cards for maximizing rewards and benefits. Its mobile app and web platform connect securely to users’ accounts, track purchases across categories, and use machine-learning models to suggest personalized upgrades or new cards. The service aims to help consumers earn more cash-back, points, and travel perks while avoiding annual fees that outweigh rewards. Birch partners with card issuers for affiliate revenue but presents offers transparently, prioritizing user savings. Founded in 2015 and headquartered in San Francisco, the company serves U.S. cardholders nationwide.