Hey Product Hunt! Solo founder here — Eann. The idea came from a painful moment: I realized I'd been using the wrong card for groceries for 2 years. My card earned 2x. I could have been earning 4x. That's real money I didn't earn back. The core insight: every existing tool asks you to estimate your spending, which creates circular inaccuracy. Bad estimates → wrong recommendations → suboptimal cards → missed rewards. Poiiints solves this by starting with real data. Connect via Plaid (read-only, same as Robinhood/Copilot), get recommendations based on your actual transaction history. Version 3.0 ships today with: - AI chat that knows your actual spending (not just generic card advice) - Portfolio optimizer using 12 months of real transactions - Chrome extension for real-time checkout recommendations (in App Store review) - 154-card database with verified earn rates per category What I'd love from this community: - If you find a card where earn rates or categories are wrong → please tell me - If your card is missing from the database → let me know - Brutal honest reactions welcome I'm a solo founder building this because I genuinely believe the best financial tool is one that knows your specific situation. Happy to answer anything.

Card Points Optimizer

Stop guessing which card to use. Let your bank data decide.

Stop guessing which card to use. Let your bank data decide.