It appears to be a meta-credit card, i.e. a digital wallet for your credit cards (plural, otherwise the service makes no sense) which then uses some rules (which you get to help set) to decide which of the actual credit cards in your wallet to use for each transaction, optimizing for best rewards, etc. read more
Wallaby maximizes your credit card rewards, saves you money and makes your life simpler with an intelligent credit card, mobile and web apps. Swipe Smarter. read more
The money you owe on a credit card is subject to an annual percentage rate (APR) that’s called a finance charge. read more