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Show HN: I built a tool to manage and compare credit card rewards

rewards.getonecard.io

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Re: Show HN: I built a tool to manage and compare credit card rewards

#51

Ugggh, credit card rewards. We all pay higher prices on goods because of the fees credit cards charge merchants, and then can get "rewarded" some of that money back. No thanks.

Most of the time, you’re paying the same price even if you use cash.

Most places only charge extra fees for credit cards in Japan.

Re: Show HN: I built a tool to manage and compare credit card rewards

#52

How many credit cards does an average person have?

"According to an Experian consumer credit review, Americans have an average of 3.84 credit cards per person."

In most other countries I expect it will be far less. 1.7 for the UK.

Re: Show HN: I built a tool to manage and compare credit card rewards

#53
post #43
post #33

Don’t make me input things without telling me that I’ll need a login to see the result. Requiring account creation upfront is fair; this is a very unpleasant dark pattern preying on the sunk cost fallacy.

I totally hear you! We looked at the comments here and are going to make a lot of the features on the product available without account creation! Appreciate the feedback

Be careful to not overfit to HN comments if they're not your target audience though! Sometimes the vibe is "I don't wanna pay for stuff and I can build that myself" and that probably isn't your target audience

Re: Show HN: I built a tool to manage and compare credit card rewards

#54
Useful idea. I, and many peers, are your target market. However, this looks like it might be US centric, based on searches in the merchant/wallet search on the main page.

Is it? Might be worth mentioning that somewhere so a large international audience doesn't waste time signing up.

Re: Show HN: I built a tool to manage and compare credit card rewards

#55
I can select Amex plat but not business plat. These cards have materially different benefits and rewards earning structures.

Plus selection first then making me create an account? Feels like a scammy aggregator of some sort (even if it’s not).

Your audience will largely not appreciate the dark pattern.

Just my 2 mr points.

Re: Show HN: I built a tool to manage and compare credit card rewards

#56
Recently, I signed up for two premium cards. The main benefit I wanted: Collision and damage coverage on INTERNATIONAL car rentals.

Honest feedback: I logged into your site and found it useless. I plugged in my two cards. Your site gave me such a cursory and incomplete picture of them, I would never have the information I needed.

p.s. they are literally the credit cards you have on your homepage, so I expected at least these to be complete.

Re: Show HN: I built a tool to manage and compare credit card rewards

#58
post #43

Earlier quoted context omitted.

I totally hear you! We looked at the comments here and are going to make a lot of the features on the product available without account creation! Appreciate the feedback

Be careful to not overfit to HN comments if they're not your target audience though! Sometimes the vibe is "I don't wanna pay for stuff and I can build that myself" and that probably isn't your target audience

My complaint isn't about having to pay, it's about not knowing upfront whether I will.

Re: Show HN: I built a tool to manage and compare credit card rewards

#59
post #56

Recently, I signed up for two premium cards. The main benefit I wanted: Collision and damage coverage on INTERNATIONAL car rentals. Honest feedback: I logged into your site and found it useless. I plugged in my two cards. Your site gave me such a cursory and incomplete picture of them, I would never have the information I needed. p.s. they are literally the credit cards you have on your homepage, so I expected at lea…

That's something I also wish existed: A credit card insurance comparison tool.

Essentially all "travel cards" offer some kind of trip cancellation or interruption insurance, but covered events vary wildly.

In some, thinks like illness of anybody on the trip is enough (not just the cardholder or immediate family members); in others, the cardholder basically needs to die in a very specific way to be eligible for any type of compensation.

Proper travel insurance is worth way more than half a percent more in points on domestic rental cars in shades of red to yellow (but not orange!) and grocery stores in states starting with "O" to me.

Re: Show HN: I built a tool to manage and compare credit card rewards

#60

Ugggh, credit card rewards. We all pay higher prices on goods because of the fees credit cards charge merchants, and then can get "rewarded" some of that money back. No thanks.

I also dislike the concept, but whether you personally participate or not doesn't change anything about the underlying game theory causing the emergent phenomenon.

If you really dislike it, maximize your points and fund a campaign to lower credit card interchange from them :)

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