I built an app because I got tired to mentally managing my credit cards
I built an app because I got tired of mentally managing my credit cards — and ended up saving thousands a year.
I used to think I was already pretty good at the credit card game.
I had a stack of Amex, Chase, and Citi cards.
Read points blogs constantly.
Knew all the “best card” discussions.
But the reality was:
I’d still freeze at checkout sometimes.
Which card should I use at Costco again?
What’s the rotating category this quarter?
Which card gives the best value on Uber Eats?
Did I activate that Amex Offer?
And that $695 annual fee card…
am I even getting my money’s worth back?
Then I realized the real problem:
It’s not that people don’t know how to optimize.
The system has just become too complicated for normal humans to keep track of.
And the craziest part is:
most of the losses aren’t from missing 1% or 2%.
It’s things like:
- forgetting to use a coupon
- airline credits expiring
- dining credits going unused
- not activating offers
- using the wrong card and missing 4x / 5x points
When you add everything up, it’s easily thousands of dollars a year.
So eventually I just built an app for myself.
It’s called MaxWorth.
What it does is pretty simple:
✔ Put all your credit cards in one place (without logging into your bank accounts)
✔ Tell you which card is best before you pay
✔ Automatically calculate cashback / points value
✔ Remind you before credits and benefits expire
✔ Track those premium cards that are slowly turning into coupon books
At the end of the day:
it’s not about getting more credit cards.
It’s about finally getting full value from the cards you’re already paying annual fees for.
Because modern credit cards are starting to feel like:
a game that requires its own management system.
Especially when:
- you have more than 3 cards
- you can’t remember bonus categories anymore
- you keep forgetting to use credits
- annual fees keep getting higher
- you know there are benefits, but don’t have the energy to research everything
That’s when you realize:
the biggest waste isn’t the annual fee itself.
It’s paying for benefits you never actually use.
So my goal became pretty simple:
make the credit card game less exhausting.
If you’re deep into the points world too, you can check out MaxWorth.
And if there’s anything you think could be better, I’d genuinely love the feedback.
Managing multiple credit cards can feel like a full-time job, especially when you have premium cards with various perks, rewards, and credits. From my experience, the trickiest part isn't just knowing the rewards structure but remembering to activate offers, use your credits before expiration, and pick the best card for each purchase. For example, Chase Sapphire Reserve offers a $795 annual fee but includes up to $1,229 worth of redeemed benefits like travel credits, DoorDash promos, and Lyft credits, which are easy to overlook. Similarly, Amex Hilton Aspire's $550 fee comes with valuable travel and resort credits, but without reminders, it's easy to miss using them entirely. Before creating the app, I constantly found myself hesitating at checkout, unsure whether to use the Chase Freedom Flex for 5x points on groceries or the Sapphire card for better travel rewards. Tracking rotating categories felt overwhelming and led to missed opportunities. Key benefits like airline credits, monthly dining promos, and hotel credits often go unused each year simply because you forget to redeem them. Over time, these small losses add up to thousands annually, which means you are essentially paying for benefits you never use. For people holding more than three cards, the complexity multiplies. With MaxWorth, the goal was to automate this mental load by consolidating all credit card information in one place without requiring bank logins. The app provides real-time suggestions on the best card to use, calculates cashback and points value automatically, and sends timely reminders before any credit or benefit expires. This approach not only saves money but also transforms premium cards from complicated coupon books into powerful savings tools. In my personal case, this system helped me recover hundreds of unused credits monthly and maximize rewards redemption by using the right card for each spending category — be it dining, groceries, travel, or transportation. If you are into points optimization but are tired of the constant mental juggling, building or using a management tool like MaxWorth can make the credit card game significantly less exhausting and more rewarding.
