Card Points Optimizer
Stop guessing which card to use. Let your bank data decide.
Card Points Optimizer launched on April 2, 2026 with 1 votes, #8,101 of 21,248 launches that month.
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.
Optimize credit card rewards across your wallet and the market
Credit card rewards are too complex to optimize by hand. Poiiints analyzes 14.5 million card combinations against your real spending to build the custom stack — cards that work together — that earns you the most. Sample result — your real stack is personalized to your actual transactions. Securely link your banks through Plaid — read-only, no credentials stored. Your actual transactions, categorized automatically across your wallet. The cards that, together, earn you the most on the way you actually spend. The best card for groceries isn't the best card for travel. Poiiints scores every combination of cards and finds the small set that works together — each card covering the categories it…from getpoiiints.com
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!
delegareApr 2026 · delegare.dev · ▲70Hi guys, am building SecureLend.ai and when working on our underwriting agents (free trial, paid after) I had issues with seamless payment options. Of course I looked at x402 which I believe is a great protocol but not a fan of a) sharing private keys with the agent b) having a human in the loop or c) similar workaround e.g. pre-funded wallets So I started building out a solution. For my use case it was important to not only have stablecoins but also a fiat rail which is now implemented using Stripe. Initially I build a mandate system internally but am very glad and big shoutout to the guys…
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