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Show HN: I built a tool to manage and compare credit card rewards
This is a free tool that helps you manage and visualize your credit card rewards across different categories.
You can input the cards in your wallet and see how they complement each other, spot gaps in your setup, and also see the best card to use for a given merchant.
I’m also a founder at OneCard, where we’re building a smart card that’ll eventually handle all of this automatically, routing each purchase to the best card in real-time.
Would love feedback from the HN community!
- throwaway984393 1y ago[dead]
- bix6 1y agoCool 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 1y agoI 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.
- internetter 1y agoAlso, many cards have temporary bonuses, like the Savor's previous 10% Uber promo. If they can handle this, thats huge.
- muli_d 1y ago1. 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.
- dev1398 1y agoTHANK YOU! I’m actually pushing a fix to that right now!
- internetter 1y agoWhat will the annual fee be?
- dev1398 1y agowe are targeting no annual fee. Ideally we will be able to offer our product for free and will charge a subscription for pro features. Will always have a very usable and generous free tier the way we are envisioning it right now.
- asdev 1y agoCredit cards allow proxying? How will you route it?
- Jaxkr 1y agoThis 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 1y agoPlease 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
- dogtorwoof 1y agoThis
- fn42 1y agoInteresting 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 1y agoWhy 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
- alwa 1y agoI hear that pays really, really well: https://www.newyorker.com/business/currency/how-to-travel-like-a-millionaire-ask-the-points-guy https://www.newyorker.com/business/currency/how-to-travel-li...
- vzaliva 1y agoHere 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).
- dev1398 1y agoI hear you and this is a problem that I currently face as well! We actually source offer data from all the major credit cards and one of the features we are going to implement is to show you offer data next to your optimal card (once we make improvements to our optimal card decision engine) The idea is to later incorporate the promo and give you the ultimate best card, something we still need to figure out and perfect but as of now we can show you the best card for groceries and offers on the merchant selected
- clarkdale 1y agoIt 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 1y agoWhat 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 1y agoThe 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.
- chrisweekly 1y agoDo you have a system or tool for finding card offers with signup bonuses? Also (this is possibly common knowledge but) your credit score is negatively impacted not just by % of available credit utilized, but also by average age of credit accounts. If you're going to want a significant loan (eg a mortgage) in the forseeable future, something to keep in mind.
- johnQdeveloper 1y agoI'm not him but realistically, its a mixture of popular blogs and churning credit card content on social media which is the name some people use for the practice of farming bonuses. Credit score is impacted by the average age but tbh, I've gotten two mortgages while doing this and compared the numbers with my peers and it could be my situation is unusual but the "cost" was like .2% APR between those that don't churn in my RL group and those that do. It has (in my experience with multiple mortgages) have a rate set by competent use of credit that does not lead you to have much debt but paying regularly in practice regardless of what the public credit score algo is telling people.
- ra7 1y agor/CreditCards is a good place to find latest offers. The current hot offer is the 100k points signup bonus for the Chase Sapphire Preferred card.
- satvikpendem 1y agoYep, reddit is the place to go. For redeeming the points, check out r/awardtravel. Tip, do not use the credit card travel portal to book flights and hotels, you will get lowballed.
- pimlottc 1y agoWhat "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?
- lionkor 1y ago[flagged]
- dev1398 1y agoTo be honest I totally forgot we left it there. We did have an AI feature baked in that we feature flagged because we wanted to get the core functionality right. Sorry for misleading you but I think the AI feature we have planned will be worth it
- pimlottc 1y agoWell, if you're not using AI right now, you should remove that text from your website.
- nodesocket 1y agoI’ve been using the Robinhood Gold card over 6 months and found the unlimited/unrestricted 3% cash back to be nearly unbeatable.
- jamestimmins 1y agoSadly they have a waiting list
- ostensible 1y agoBank of America provides 5.25% percent cash back on each category. Get one for every category. Done. (You need to enroll to preferred rewards for that). 3% is not worth to be bothered about, nor should anyone support robinhood in the first place.
- nodesocket 1y agoOne for every category, not exactly great if you spend frequently. I’ll take free money at 3%, outrage over Robinhood usage is typical (rolling eyes).
- david422 1y agoUgggh, 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.
- ostensible 1y agoYou either play that game or subside others who do, regardless of of whether you like it or not — you are still participating. Prices are already higher for everyone.
- eldaisfish 1y agoThere’s a much better option. Cap the card transaction fees by offering a public alternative.
- hakfoo 1y agoNationalize the entire circus. We should have some form of Faster Payments scheme, backed by the state, because cheap, reliable transaction networks are the sort of infrastructure that's good for business. At the very least, this screams "make FedNow the default payment rail". Then if people actually want to spend money that isn't theirs, let lenders build something pluggable on top, so their costs and needs are solely limited to the credit aspects, rather than skimming of of every single transfer of value.
- scarface_74 1y agoYes and just wait for the “public alternative” to play political games with which merchants they accept. There is already a low transaction fee network that works over the current infrastructure - debit cards.
- satvikpendem 1y agoSure, you can wait another decade for that to happen or just play the game for today's money and benefits.
- tiffanyh 1y ago
- TSUTiger 1y agoHow 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 https://maxrewards.com
- Sontho 1y agoIt will be great if you can work this out without making people logging in.
- lxgr 1y agoDon’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.
- dev1398 1y agoI totally hear you! We looked at the comments here and are going to make a lot of the features on the product available without account creation! Appreciate the feedback
- RamblingCTO 1y agoBe careful to not overfit to HN comments if they're not your target audience though! Sometimes the vibe is "I don't wanna pay for stuff and I can build that myself" and that probably isn't your target audience
- lxgr 1y agoMy complaint isn't about having to pay, it's about not knowing upfront whether I will.
- RamblingCTO 1y agoAnd that's totally valid, I agree 100%. Show me what I get and I'll happily pay
- lxgr 1y agoTo be clear, it's totally fair to require account creation – data and customer relationships are currencies too, after all – in my view. (I might personally choose to not use it then, and that's just as fair.) I'd just have liked to know about it before selecting a few of my cards, which took me a minute or so. That's too much time/effort to get nothing in return.
- alex-onecard 1y ago
- deevus 1y agoU.S. only, it seems.
- kilroy123 1y agoI use and love https://awardwallet.com https://awardwallet.com. Been a long time customer.
- zeroday28 1y agoHow many credit cards does an average person have?
- Symbiote 1y ago"According to an Experian consumer credit review, Americans have an average of 3.84 credit cards per person." In most other countries I expect it will be far less. 1.7 for the UK.
- ClearAndPresent 1y agoUseful 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.
- dhbanes 1y agoI can select Amex plat but not business plat. These cards have materially different benefits and rewards earning structures. Plus selection first then making me create an account? Feels like a scammy aggregator of some sort (even if it’s not). Your audience will largely not appreciate the dark pattern. Just my 2 mr points.
- bravura 1y agoRecently, I signed up for two premium cards. The main benefit I wanted: Collision and damage coverage on INTERNATIONAL car rentals. Honest feedback: I logged into your site and found it useless. I plugged in my two cards. Your site gave me such a cursory and incomplete picture of them, I would never have the information I needed. p.s. they are literally the credit cards you have on your homepage, so I expected at least these to be complete.
- lxgr 1y agoThat's something I also wish existed: A credit card insurance comparison tool. Essentially all "travel cards" offer some kind of trip cancellation or interruption insurance, but covered events vary wildly. In some, thinks like illness of anybody on the trip is enough (not just the cardholder or immediate family members); in others, the cardholder basically needs to die in a very specific way to be eligible for any type of compensation. Proper travel insurance is worth way more than half a percent more in points on domestic rental cars in shades of red to yellow (but not orange!) and grocery stores in states starting with "O" to me.
- nailer 1y agoI like this tool, and I’ve made an account and entered in all my cards. But “Highest Rewards by Category” doesn’t quite work because of the truncation of the text. it says “Chase Sap” but I don’t know which sapphire card is that.
- sunny41 1y agoIs it only for U.S.?