Free I built a free tool to optimise which rewards card to use for each purchase — would love feedback from this community

[applemac127]

Hi AFF,

Long-time points enthusiast, first-time builder. I got frustrated constantly guessing which card to tap at checkout, so I built a small web app to solve it.

What it does:
You add your cards, enter a spend amount and category (groceries, dining, fuel, travel, etc.), and it tells you which card earns the most points and exactly why — factoring in category bonuses, tiered earn rates, and international spend multipliers.

Cards supported so far:
- Westpac Altitude Platinum & Black (Altitude Rewards, Qantas, Velocity variants)
- ANZ Rewards Black & Frequent Flyer Black
- Amex Explorer
- NAB Qantas Rewards Signature
- CBA Premium Awards

Example:
If you have the Westpac Altitude Black (Qantas) and ANZ Frequent Flyer Black, and you're spending $200 at Woolworths — it'll tell you the
Westpac card wins (0.8 pts/$1 vs 1 pt/$1... actually ANZ wins that one, which is exactly the kind of thing I kept getting wrong manually).

It's free, no ads, no affiliate links.
Very early — only a handful of cards, no mobile app, rough edges.

Link: https://rewards-mvp.vercel.app

This community knows more about earn rates and card mechanics than anyone. I'd genuinely love to know:
- Which cards are missing that you'd want to see?
- Is the earn rate data accurate? (Please call it out if not)
- Does the optimizer output make sense to you?

Thanks in advance for any feedback

 

[admin]

Note that this is not an AFF product, users are free to make their own judgements on this

 

[AIRwin]

- Which cards are missing that you'd want to see?

MyCard Premier, Amex Gold and Amex Velocity Escape

 

[transpactraveller]

For cards that aren't direct QFF or Velocity point earners, it should consider the transfer rate. eg the Westpac Altitude non-Qantas card is 3:1 (3 Altitude Points to 1 Velocity Point)

 

[Beer_budget]

For cards that aren't direct QFF or Velocity point earners, it should consider the transfer rate. eg the Westpac Altitude non-Qantas card is 3:1 (3 Altitude Points to 1 Velocity Point)

This ^^ knowing that card A earns 2 points and card B earns 0.5 miles isn't as helpful as being able to convert them all to a single "reference currency", if you like.

I love the idea of this- it won't help in my situation as the only category-dependent card is a Qantas Amex so it's pretty straightforward: use it for Qantas spend, all else is dependent on spending split, card acceptance and statement cycles. Amex Platinum Edge might be worth adding to your list though, as it does have category based earn rates.