Norte Wallet Intelligence
Get back every benefit your cards already pay for.
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Norte - Get back every benefit your cards already pay for.

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Your premium cards are already paying you back in credits, points, and protection you never collect. Norte runs those benefits with you, so the value you paid for actually lands. No bank login. No card numbers. The average Norte wallet has about $2,600 a year sitting uncaptured.*

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Maker
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Hey Product Hunt 👋 I'm Jose, solo founder of Norte. Six months ago I launched a much rougher version here. You gave it 42 upvotes and a top-30 day, and more importantly, the feedback rebuilt it. This is what it became. If you carry a premium card, it's already paying you back in credits, points, and protection you'll probably never use. The average Norte wallet has about $2,600 a year* of it sitting uncaptured because no one ever showed you where it was. I was one of those people. I had the cards "for the perks," paid the fees without blinking, and at the end of the year I'd captured maybe a quarter of what I was owed. It wasn't hidden because it was complicated. It was hidden because it lived in 50-page PDFs and portals I'd never open, and the fine print only ever showed up after something went wrong. So I built the layer I kept wishing existed: the one between you and the benefits your cards already give you. Norte does the reading. You do two minutes. You add your cards (no bank login, no card numbers, just pick them from our database) and tell Norte what you've already used this year. A ring on your home screen fills up, card by card, showing what each one has paid back and what's still on the table. There's one specific moment I built the whole app around: the second your captured value crosses your annual fees and the ring flips to gold. That's the card earning its keep, in front of you, for the first time. The rest is there for when life happens: Norte tells you which card to put a purchase on and what it earns and protects, the Assistant reads the benefit guides so you don't have to, and the Planner maps your cards by earn rate and coverage before a trip, including the gaps. It's for people who feel financially on top of things and quietly suspect they're still leaving money behind. (You probably are. I was.) My ask: add your real wallet and tell me what the ring says. If the number surprises you, I want to know. If something's confusing or wrong, I really want to know. Tell me where it breaks. I'll be here all day. — Jose *Average uncaptured value across 500+ Norte wallets. Yours could be more, or less. The app shows your number in less than two minutes.

 can’t believe this didn’t exist. Obvious and excellent idea and great execution.

Maker

 thank you! Glad you found your way to discover my app :)

💡 Bright idea

This is exactly how you pitch a finance tool. no fake hype, just clear utility and clear respect for user privacy huge congrats for shipping 🙌

Maker

 That means a lot, Vikram.
Finance tools have a bad habit of leading with hype and burying the actual utility. Love to see when the respect for privacy comes through. It's the only way we'd want to build this.

I think that some stories (quotes) from your users on landing page would be a great refreshment, nice idea :)

Maker

 Thanks Nika!, and you're right.

Honestly, the best feedback so far has been a premium user saying Norte helps him sleep better. I need to get that on the lp soon. What I recently did was adding App Store reviews, but I should lift this up on my to-do list after the launch. Appreciate the nudge!

How does Norte handle benefits that change mid-year or issuer-specific promos that aren't in your database yet?

Maker

 This is when things get tricky, especially when it comes with promos.

I have a system of alerts to know when a credit card benefit changes. Threads in Reddit or Google alerts help with that.

Each time I heard about a benefit check I update the database so it shows immediately to users. The database also have notes fields that might show on the UI or just surface if you chat with the assistant, If the update is big enough, I also notify to the users affected so they are up to date.

Currently Norte does not go as granular as capturing specific niche promotions that are hard to give a $ value or cant properly be added to what users get back annually from their cards. Something new is that you actually can log your spending per category per card and Norte calculates what you earn back from each card so you get sense of if the card is paying for itself or you need to adjust your wallet.

Shoutout for making something that actually saves people money. congrats on getting v2 out.. 👏👏

Maker

 Thank you! I love seen on my dashboard the volume of captured benefits and usage of the app. A proof that the work is landing.

Congrats for launch qq. does the assistant handle country-specific variations? like an amex gold issued in the US has completely different perks than one issued in Europe or India.

Maker

 Great question. Norte covers US, UK, and European card variants separately because you're right, an Amex Gold issued in the US and one issued in the UK are effectively different products. India is not fully covered yet, we did added a couple of cards based on users requests, but I know the market there is much more complex than that. It's on the roadmap as we expand the database.

On the assistant: It reads whats on your wallet, which connect to the database that distinguish cards per country too, so the assistant should give you accurate information about your card if you added the right one to your wallet.

💡 Bright idea
Tracked credit card benefits are such an underrated way to save money, but people are always hesitant about security. Love that Norte doesn’t require a bank login or card numbers,that's a massive win for privacy. How does the app track the specific benefits without direct sync?
Maker

 Norte works from the issuer side, not the user side. We've built and maintain a proprietary database of verified card benefits: terms, credits, coverage limits, claim requirements.. based on what is publicly available.

When you add your card, Norte maps your wallet against that database. No sync needed because we're not reading your transactions, we're reading what the card issuer already published. You just tell us what you've used.

Norte doesn’t require a bank login or card numbers ?

Maker

 Not at all. I am building a database with all the available data about credit card benefits so the user doesn't need to link any private information. And if a card is not available on the database, you can always request for it.