Why isn't Otto FREE?

If the product is free, then YOU are the product.

Otto is designed to help YOU, not the credit card companies.

Small price, BIG return

Earn rewards, build your credit, save money



Billed monthly



Billed annually

Get one month free!

30-day free trial.  No payment information required.

After your free trial, you will be asked to enter a payment method to ensure your uninterrupted use of Otto. If no payment method is provided, your account will automatically downgrade. If this happens, you will not lose any of your data, however, your bank balances and credit card charges will no longer update automatically.

Otto pays for itself, or it's free.

Our goal is to help people of all walks of life spend their money more wisely.  We do not want the cost of a monthly subscription to keep anyone from using Otto.  We are so confident that Otto will pay for itself, that if it doesn't, and you cannot afford it, you can get Otto for FREE!  Learn more.

Earn, build and save with Otto.

After a 30-day FREE trial Otto is billed monthly at $5.99.

Otto pays for itself, or you can get it for FREE. Learn more.