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I enjoy optimizing credit card rewards, but after collecting quite a few cards, I started realizing something... I could never remember which card was actually the best one to use. It became surprisingly tedious to browse bank websites, open reward PDFs, or even ask AI every time I made a purchase. AI also isn't great at this unless you explicitly tell it which cards you own—and half the time, I couldn't even remember all of them or their reward structures. Every issuer has different rew...
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