Card Points Optimizer
Stop guessing which card to use. Let your bank data decide.
What it does
Poiiints connects to your bank via Plaid, analyzes 12 months of real transactions, and tells you exactly which credit cards would earn you the most rewards → Portfolio optimizer — finds the optimal 2-3 card combination for your spending mix → 154 cards in the database with precise category earn rates → AI chat assistant — ask personalized questions, it knows your actual spending → Completely free. No premium tier. No ads.
Does a similar job
all alternatives →- IBI built a tool to manage and compare credit card rewards2025 · rewards.getonecard.io · ▲87
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!
- WTWe trained a 32B model to beat Opus 4 at credit card optimizationApr 2026 · huggingface.co · ▲6
We built an RL environment for credit card reward optimization and trained Qwen 32B with GRPO against it. The trained model scores ~0.51 on held-out tasks vs. Opus 4 at ~0.41 and GPT-4o at 0.36. Environment is open source (Apache 2.0). Blog post explains the reward design, what broke during training, how we fixed it, and what we'd do differently.
More ai this month
the category →
I trained a 125M-parameter transformer to autocomplete piano performances in real time (~108 notes/sec on an iPhone 15). The idea is basically GitHub Copilot or Tabnine, except instead of prompting it with code, you prompt it by playing a few notes on a MIDI piano. The model then continues what you played, entirely on-device. The app is free if anyone wants to try it. Happy to answer questions about the model, training, Core ML, or the many things that didn't work.
AI · 18d ago · simedw.com
Astute▲585Automate your B2B brand going viral, with new media creators
AI · 19d ago · company-app.joinastute.com
Hey HN, Henry from Cactus here! We previously released Cactus Needle, a 14MB agentic LLM for tool call, device use, and structured extraction for phones, wearables, smart homes, small robots and microcontrollers. We got really great feedback here, and have now incorporated the suggestions to release Needle 2. The whole model is a single 14MB binary that runs a full session in 28MB of RAM; 45m parameters at 2bit compression. Needle hits 500 tokens/sec decode speed on a Raspberry Pi 5, sits between 400-1,500 tokens/sec on VR devices like Meta Quest 3S and Apple Vision Pro, and ranges…
AI · 28d ago · cactuscompute.com
Launched alongside, April 2026
the whole month →
- AG
Thought the resources for GPU arch were lacking, so here we are
Life & fun · Apr 2026 · jaso1024.com
- IB
Built a ~9M param LLM from scratch to understand how they actually work. Vanilla transformer, 60K synthetic conversations, ~130 lines of PyTorch. Trains in 5 min on a free Colab T4. The fish thinks the meaning of life is food. Fork it and swap the personality for your own character.
AI · Apr 2026 · github.com
- BC
Life & fun · Apr 2026 · sam-burns.com
- IB
With social media and now AI, its important to keep the indie web alive. There are many people who write frequently. Blogosphere tries to highlight them by fetching the recent posts from personal blogs across many categories. There are two versions: Minimal (HN-inspired, fast, static): https://text.blogosphere.app/ Non-minimal: https://blogosphere.app/ If you don't find your blog (or your favorite ones), please add them. I will review and approve it.
AI · Apr 2026 · text.blogosphere.app