In general, the present invention is directed to systems and methods of utilizing an application operating on a mobile device to determine any applicable offers or eligibility and rank such offers and eligibility for user selection. More specifically, a process may be conducted by a processor in communication with a mobile device and data stores including user data, retailer data, and/or product and service data, the process including comparing identification information associated with a product or service received from the mobile device with data in the data stores; determining the product or service and identifying any associated promotional offers or plan eligibility associated with the product or service, the user, and/or the retailer; ranking any promotional offers or plan eligibility based at least in part on size of promotion; transmitting to the mobile device an identifier of applicable promotional offers or plan eligibility.