Abstract: Embodiments described herein disclose a mobile device system and method for determining suggested payment sources within an application executed by the mobile device. A location of the device may be detected. A merchant corresponding to the detected location may be identified, and characteristics of the merchant may be received. Additionally, non-public promotions offered by an entity associated with a stored payment source or with the merchant are received. Based on the payment sources, characteristics, and promotions, a suggested payment source for a transaction between the merchant and a user of the mobile device is determined and displayed on a touch-sensitive display. The suggested payment source may be selected by the user. Thus, the user is presented with a suggested payment source based on the merchant, and may maximize reward account points, cash back, or minimize interest, based on the suggestion of a payment source.