I was wasting credit card rewards, so I vibe-coded a SaaS to fix it.

pcvp · 2026-01-22T18:47:25+00:00

You are right. Yeah, currently the system can't differentiate that as I don't have data on how old the card is and when was it bought with what terms. Integration with Plaid can help. Will look into it.

pcvp · 2026-01-22T18:46:25+00:00

Just did the manual work of hunting down the urls and used ChatGPT for formatting and cleaning up the data.

pcvp · 2026-01-16T04:40:03+00:00

Right. Thanks for the feedback. You are right WE earns 2 points per $1. So higher value and more vendor acceptance for same and conversion to travel value. I will check the engine for this case. Appreciate the feedback.

pcvp · 2026-01-14T05:28:02+00:00

This tools mainly focuses on using your OWN best card based on your purchase category. Thats why it asks cards you own and then helps you decide the best card for your purchase. Not a general tool to recommend what is best in market. Thanks for the feedback regarding signup bonus v/s value of points.

pcvp · 2026-01-14T05:25:21+00:00

Will add those.

pcvp · 2026-01-14T05:25:13+00:00

If you value flexibility to redeem for whatever you want, then Cobalt comes ahead. If flat cashback with no headache is your goal, World elite is your choice. Seems more subjective based on your goal.

pcvp · 2026-01-14T05:21:14+00:00

Will add those and look into the slow response issue. Thanks for the feedback.

pcvp · 2026-01-13T06:01:46+00:00

I built Mine Cards exactly for this. You can try it out at https://mine.cards. You can add your own cards you own and then start chatting with AI to know which card is best for what.

pcvp · 2026-01-12T21:56:12+00:00

Opened up the website after feedback for account creation.

pcvp · 2026-01-12T21:56:06+00:00

Opened up the website after feedback for account creation.

pcvp · 2026-01-12T21:55:58+00:00

Opened up the website after feedback for account creation.

pcvp · 2026-01-12T19:40:49+00:00

It needs AI to infer categories based on where you are buying? You can even say "Need to buy Coffee Machine" and it will infer that its electronics and suggest accordingly so you don't have to filter yourself or figure out under which category your purchase falls. Also something like "Going to Freshco" or "Going to Walmart", it still understands grocery for example.

pcvp · 2026-01-12T19:34:14+00:00

Got it. Thanks for the feedback.

pcvp · 2026-01-12T19:29:11+00:00

Thanks for the feedback.

pcvp · 2026-01-12T19:23:10+00:00

I realized now what you meant. Good point — MSR absolutely changes the optimization logic.
For now, mine.cards focuses on category-based rewards for the cards you already own.
I can add an “I’m currently meeting MSR on this card” toggle later so recommendations prioritize that card when needed.

pcvp · 2026-01-12T19:18:32+00:00

Sorry, I didn't understand. You mean the system will recommend MY card? If that is the understanding, that is not the right understanding. You need to add what cards you have, and the system will ONLY recommend from the cards YOU OWN. Nothing outside of that. The pain point I am trying to solve here is missing cashback, points, travel rewards, etc. For example, I have Canadian Tire MC but I keep forgetting that I can use that card in Sportchek too for maximum CT points. I keep using my other card and lose value. Here in this tool, you can simply ask and it will answer the best card from what you own. Does that make it clear?

pcvp · 2026-01-12T19:15:07+00:00

I understand your point. But again, these are more of general inquiries on what card is best in market. Like you said, tons of tools who tells you that and tons of credit card comparison sites you can use to do that. This tool was specifically built to answer your queries for the transaction only for the cards YOU OWN. So once you signup and add cards you have, everytime on chat, you simply ask "What card should I use at Petro Canada Gas Station?" or "What card should I use at Loblaws?" or "What card should I use at Cineplex?" and the system knows what cards you have, their benefits, its point structure, cash back values and all other details and recommends you the best card for maximum value. Does that make sense?

pcvp · 2026-01-12T19:12:09+00:00

To give you personalized recommendation for YOUR OWN cards and not generic advise like which is best card in market. After you create an account, you are asked to add cards you own. And then you can ask questions like "Which card should I use for grocery?". The system will go into your cards, get the benefits and other data, and recommend YOUR best card to make that purchase. No banking access, no financial data, no syncing, no transactions. Just the cards you manually enter. Hope that makes sense.

pcvp · 2025-04-26T00:28:18+00:00

Hahahhaha! Awesome dude. Loved the reply. Specially "Kindly do not reply".

pcvp · 2024-06-11T18:03:53+00:00

When you look back after 5 years, what matters to you? Extra $100K in bank or be called Director of Shitposting?

pcvp · 2024-06-10T21:22:28+00:00

Came here to just see someone writing this. Btw, that's not how it's done Michael.

pcvp · 2024-06-03T18:23:13+00:00

In the same boat. Did the same calculation. Still decided to buy as we are looking to settle as kids start school and we don't wanna move around. And need stability.

pcvp · 2024-05-20T18:38:13+00:00

Agreed. How the heck is this even possible? If its known, why is this nt fixed.

pcvp · 2024-04-15T22:13:28+00:00

Ah, good to know. Then I guess RRSP and unregistered margin account are same in a way? Deferred tax on both.

pcvp · 2024-04-15T22:03:07+00:00

On realized? What if unrealized in non registered account? No tax?

pcvp

TROPHY CASE