Built because the alternatives needed to read my bank account.
minmaxyourpoints is a credit-card rewards optimizer built and run by Geon Yoo, a solo developer in the U.S. The product launched in 2026 out of frustration with the existing tools — every other app I tried either wanted bank-linking credentials, hid its valuations behind affiliate payouts, or buried the math in a way you couldn't inspect.
So this is the version of that product I wanted to use. You enter the cards you have. You tell it roughly what you spend in each category. You set what a Chase point or a Hyatt point is worth to you. The recommender takes those numbers and does the math. Every claim it makes is shown so you can verify it.
What we will and won't do.
The recommender cannot see affiliate revenue.
The ranking module in src/lib/optimizerdoesn't import affiliate data — by construction, not by promise. Apply links would be attached as a separate decoration layer. Today we have no affiliate relationships at all.
Manual entry only. No bank linking, ever.
We do not use Plaid, Finicity, MX, or any account-aggregation service. We don't store credentials of any kind for any external service. The privacy story is the architecture; it's not a policy we could change tomorrow.
Show the math.
Every recommendation carries the rate, cents-per-point, caps, thresholds, and assumptions that produced it. If you disagree with our valuations, override them on /settings/valuations and the rankings rerun.
Card data is hand-curated and audited.
~117 cards in the database, each with a verified date. A weekly drift detector cross-checks the live issuer page; cardholders can flag inaccuracies via a button on every card's detail page.
Host-portable by design.
Postgres via DATABASE_URL, no vendor SDKs for data or auth. Move from Supabase / Neon / RDS / self-hosted with a pg_dump and an env var change.
Things we are explicitly not.
- · Not a bank-linking app
- · Not a browser extension
- · Not a churner's tool (5/24, MS, app-o-rama)
- · Not a loyalty-balance aggregator (that's AwardWallet)
- · Not a credit-score app (that's Credit Karma)
Free today. Honest tomorrow.
The site is currently free with no affiliate revenue. Long term, the plan is a free tier with affiliate “Apply” links attached downstream of recommendations (so the math stays unbiased), plus possibly a paid tier for AI-driven analysis if real users want it. We'll never gate the “show the math” principle.