Show HN: I built a tool to manage and compare credit card rewards
87 jsh1 72 4/10/2025, 9:24:28 PM rewards.getonecard.io ↗
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!
Requiring account creation upfront is fair; this is a very unpleasant dark pattern preying on the sunk cost fallacy.
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.
Now on the landing page users are able to input cards to their liking and compare them at different vendors/categories to determine the best card without login.
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
Sorry for misleading you but I think the AI feature we have planned will be worth it
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.
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.
There is already a low transaction fee network that works over the current infrastructure - debit cards.
If you really dislike it, maximize your points and fund a campaign to lower credit card interchange from them :)
Every study shows that people on average spend more when they use credit cards. If I owned a business, I wouldn’t accept cash at all.
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.
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.
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.
Genuine questions I would need answered before considering this. Super cool idea — but the devil is always in the details!
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.
Not endorsing, but these are the ones my "newsletters" email account subscribes to:
* https://yourbestcreditcards.com/ for credit card bonuses
* https://www.frequentflyerbonuses.com/ for hotel, airline and other travel programs
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.
Overall Chase business cards seem to usually have the best deals, and they don't require you to have a "real" business to get them.
It does impact your credit score, so you are correct to be careful if you're going to get a mortgage soon. But in my experience, the effect can't be too big because my credit score is still excellent despite getting a new credit card every couple months.
https://johnnyafrica.com/multiple-chase-ink-business-cards/
With Amex it’s even better. Once you have one credit card with them, they usually don’t even run a credit report. That means you can then sign up for business credit cards with no effect on your report.
As far as websites,
https://www.offeroptimist.com/
The current hot offer is the 100k points signup bonus for the Chase Sapphire Preferred card.
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.
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.
https://www.newyorker.com/business/currency/how-to-travel-li...
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.
Is it? Might be worth mentioning that somewhere so a large international audience doesn't waste time signing up.
1. Seems interesting, ok, I’ll try to search
2. Login
3. Nope
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
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.
The credit card rewards usually still make sense, but sometimes I pay cash even if I might lose 0.5% on it.
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).
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
In most other countries I expect it will be far less. 1.7 for the UK.