CreditCardRewards Optimizer
Automatically recommends which credit card to use for each purchase to maximize rewards across a portfolio of cards
The Problem
Most people use one card for everything and leave 2-5x rewards on the table. Manually checking 3+ card categories and bonus structures before every purchase is friction hell. Existing tools show historical analysis but don't provide real-time transaction-level recommendations.
Target Audience
Credit card enthusiasts and mid-to-high income earners (40k+/year) who carry 3-5 cards but don't optimize spending; people aged 25-50 in US/Canada
Why Now?
LLM tools (Cursor) make building the matching algorithm trivial; card issuers are opening APIs; rewards fatigue is growing as cards multiply
What's Missing
Existing tools are desktop-only, historical, or require manual input. No phone-quick recommendation engine exists at checkout time; the UX is still stuck in 2015.
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