Show HN: The Card Caddie, free tool to optimize credit card points

#1

Post by hg30 » Tue, Jul 15, 2025, 8:12 PM UTC

I’m relatively new to the whole “credit card game” but over the past year I’ve been optimizing my daily spending for points. In August I’m heading to Southeast Asia for a year, and I have all my flights covered using points earned just from everyday spending.

Keeping track of all the different rewards categories was confusing, so I built The Card Caddie, a free tool that helps you figure out which credit card to use for each purchase to maximize points and perks.

It’s pretty simple right now, but I’d love feedback, ideas, or any suggestions for features that would actually help you.

Website: thecardcaddie.com Quick YouTube demo: https://www.youtube.com/watch?v=PyVtDnfb2YM Chrome Extension (just approved and released!): https://chromewebstore.google.com/detail/bbjandoogppgnggflaa...

Thanks for checking it out!

Show HN: The Card Caddie, free tool to optimize credit card points
thecardcaddie.com

Re: Show HN: The Card Caddie, free tool to optimize credit card points

#2

Post by pogue » Tue, Jul 15, 2025, 8:34 PM UTC

Sounds pretty interesting. Is there some master list of vendors that gives the best rewards for each bank's card you're using to assess which card the extension recommends?

Re: Show HN: The Card Caddie, free tool to optimize credit card points

#3

Post by hg30 » Tue, Jul 15, 2025, 8:48 PM UTC

pogue wrote: post #2

Sounds pretty interesting. Is there some master list of vendors that gives the best rewards for each bank's card you're using to assess which card the extension recommends?

Not that I am currently aware of haha! This is all based on an estimation of merchant categories from domains trained on statement info. And categories are built differently for each card, so trying to build around that. No master list that I scraped.

Re: Show HN: The Card Caddie, free tool to optimize credit card points

#4

Post by pogue » Tue, Jul 15, 2025, 9:14 PM UTC

hg30 wrote: post #3

pogue wrote: post #2

Sounds pretty interesting. Is there some master list of vendors that gives the best rewards for each bank's card you're using to assess which card the extension recommends?

Not that I am currently aware of haha! This is all based on an estimation of merchant categories from domains trained on statement info. And categories are built differently for each card, so trying to build around that. No master list that I scraped.

I'll give it a try! I don't buy much except from Amazon, but I read your privacy policy and it all looks good.

Re: Show HN: The Card Caddie, free tool to optimize credit card points

#5

Post by hg30 » Tue, Jul 15, 2025, 9:16 PM UTC

pogue wrote: post #4

hg30 wrote: post #3

Earlier quoted context omitted.

Not that I am currently aware of haha! This is all based on an estimation of merchant categories from domains trained on statement info. And categories are built differently for each card, so trying to build around that. No master list that I scraped.

I'll give it a try! I don't buy much except from Amazon, but I read your privacy policy and it all looks good.

Sounds good, thanks for checking it out, really appreciate it! I use just the credit cards reward program so I never collect any personal info! Working on adding more cards soon