Points Maxxing

A CLI and web-based analyzer that ingests bank statements to optimize credit card rewards and calculate missed point opportunities.

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See it in action

Points Maxxing analysis with sample spend, card performance, and category scores — An illustrative analysis compares card usage and category opportunities using fictional transactions.

The Challenge

Navigating the complex world of credit card rewards is exhausting. With rotating categories, varying point valuations, and opaque merchant category codes (MCCs), it's nearly impossible to know if you're actually maximizing your returns without spending hours in spreadsheets.

The Solution

An intelligent analysis engine that ingests CSV bank statements, uses Claude to resolve ambiguous merchant categories, and runs a simulation against a comprehensive card database. It calculates exactly how much value was left on the table and recommends the optimal "wallet" setup.

A closer look

Points Maxxing card cheat sheet for the isolated demo wallet — The demo cheat sheet maps spending categories to cards and reward multipliers.

The Outcome

It eliminates the guesswork from the credit card "game." Instead of relying on generic advice, it provides a personalized, data-driven breakdown of my actual spending habits, telling me exactly which cards to use to squeeze the maximum value out of every dollar.

Tech Stack

Python
HTMX
Claude API
Data Analysis