Rewards Optimizer
Add a few cards and a merchant to see a quick recommendation.
0 items
-
$0.00
0
Be the first to know the latest updates
Whoops, you're not connected to Mailchimp. You need to enter a valid Mailchimp API key.
24 Comments
bix6
Cool idea with the smart card.
Can you tell me when I need to get a new card offering 2.5% instead of 2% and it’s a good relative bonus? Tired of managing things.
Would like to try a simple search as a demo before making an account.
KeepFlying
I can't find my Amazon Prime rewards card in your search, any chance it's in there under a different name?
And for my Discover It card a tool like this is t very useful unless it can handle the rotating reward category (I think one of the Chase freedom cards also has a similar program).
I can easily remember most of my static rewards categories, but managing the rotating categories is harder and is where a tool like this would help me best.
muli_d
1. The website looks sleek and has good design.
2. I wish I could get a little bit more of a sneak peek / preview before needing to create an account.
3. Unrelated to the core business of your website, there's a small "bug" in the light/dark theme switch — the first mouse click doesn't do anything (at least when "system" = "dark"). This is happening because when you launch the site for the first time and the localStorage is "clean", the "theme" value is "system". But clicking the toggle changes the value to "dark", which keeps the current theme as it is.
internetter
What will the annual fee be?
asdev
Credit cards allow proxying? How will you route it?
Jaxkr
This is great. I’ve thought about building something like this for myself.
Complaints:
– Discover It rotating categories not factored in. These are 5% and very significant.
– Can’t add Amazon Chase Visa, as someone else pointed out.
Also I would LOVE an iOS shortcut where I can just type in what I’m buying and you categorize it with an LLM and it just tells me what card to use.
robg
Please don’t make me login to see a simple comparison of existing cards. My thought process:
1. Seems interesting, ok, I’ll try to search
2. Login
3. Nope
fn42
Interesting idea, thanks for sharing.
Some feedback from using:
– It said to use amex blue cash for 3% back at costco, but costco only accepts visa
– It said to use amex blue cash for 3% back at harbor freight but this card only gets 1% at this store, the BofA customized cash rewards (added to my wallet) is the only card I have found that gives 3% back on home improvement stores
– It said to use amex blue cash for 3% back at BJ's, even though the BJ's rewards card is in my wallet which gives 5% back at this store
AznHisoka
Why are you making people create an account? If you wanted to monetize your users, the simple way would be adding referral links for each credit card
vzaliva
Here is a type of question I wish your site can help me answer:
Amazon Fresh online purchases : AMEX Gold or Chase Reserve?
Format gives 3x reward for groceries but later have a promo (shown on your web site).
clarkdale
It could be factored in, but many restaurants near me add a fee for credit card use, usually 2% but I've seen as high as 3.5%.
The credit card rewards usually still make sense, but sometimes I pay cash even if I might lose 0.5% on it.
Henchman21
What sort of information do you collect on your users? Do you resell their purchase history? Why are you as trustworthy as my bank(s)?
Genuine questions I would need answered before considering this. Super cool idea — but the devil is always in the details!
streptomycin
The small % you get on each purchase is crumbs, but the cookie is the big sign up bonus you can get. For the past several years I've been making about $2k/year from that, which is so much more than the % bonus that I don't know why anyone would care about getting 3% back rather than 2%. Like if you are that worried about your money, take the free $2k first.
throwaway984393
[dead]
pimlottc
What "AI" is involved in this? It's mostly just a few database lookups based on merchant name and/or category, isn't it? Or is that just marketing gloss, because everything is "AI" now?
nodesocket
I’ve been using the Robinhood Gold card over 6 months and found the unlimited/unrestricted 3% cash back to be nearly unbeatable.
david422
Ugggh, credit card rewards. We all pay higher prices on goods because of the fees credit cards charge merchants, and then can get "rewarded" some of that money back. No thanks.
TSUTiger
How does this compare to something like MaxRewards[0]?
I'd try doing my own due diligence first, but without signing up for an account first, I can't get past the homepage.
[0]: https://maxrewards.com
Sontho
It will be great if you can work this out without making people logging in.
lxgr
Don’t make me input things without telling me that I’ll need a login to see the result.
Requiring account creation upfront is fair; this is a very unpleasant dark pattern preying on the sunk cost fallacy.
deevus
U.S. only, it seems.
kilroy123
I use and love https://awardwallet.com. Been a long time customer.
zeroday28
How many credit cards does an average person have?
ClearAndPresent
Useful idea. I, and many peers, are your target market. However, this looks like it might be US centric, based on searches in the merchant/wallet search on the main page.
Is it? Might be worth mentioning that somewhere so a large international audience doesn't waste time signing up.