Stop guessing which card to swipe.
OneCard is a credit-card rewards optimizer prototype: type a store or pick a category, and it compares reward rates to recommend the best card.

Live demo · Tour · Run it · What's in the box · Honest status

Why OneCard

Most people carry several credit cards, each with its own bonus categories: 4x at restaurants on one, 6% on groceries on another, 5x on travel on a third. Remembering which card wins at the checkout is a puzzle, so most purchases go on whatever card is on top of the wallet, and the extra rewards are simply lost.

OneCard does the remembering. Enter a merchant such as Whole Foods or a category such as Dining, add the amount, and it ranks the cards by reward rate and estimates what you would earn. The same idea is sketched as a Chrome extension that suggests a card while you shop online, and as a pocket-sized mobile app.

One answer, instantly Type a store or choose a category and get the best card, its reward rate and an estimated reward for the amount.

Every category, mapped Browse 12 popular cards and the top card for each of 10 spending categories, from groceries to streaming.

Wherever you shop A Chrome extension prototype shows a "best card" banner on known shopping sites; an Expo app prototype does the same on mobile.

A quick tour

Get a recommendation Enter a merchant and amount; OneCard names the best card and estimates the reward.	Browse the cards Network, annual fee and bonus categories for each card in the demo set.
Best card by category The leading cards for each kind of spending, ranked by reward rate.	Dashboard A starting point for a personal rewards overview, with quick actions.

_{Screenshots of the live GitHub Pages demo, captured with a headless browser. All cards and reward rates are static demo data, not live issuer terms.}

Run it yourself

You need: Node.js 20 and npm.

git clone https://github.com/mihirkavi/OneCard.git
cd OneCard
npm install
npm run dev

Open http://localhost:5000. The app reads its cards and reward rules from lib/static-data.ts, so no database is needed.

Command	What it does
npm run dev	Start the web app on port 5000
npm run build	Production build
npm run build:github	Static export to out/ for GitHub Pages (scripts/build-github.sh)

Every push to main rebuilds and deploys the live demo through .github/workflows/deploy.yml.

What's in the box

Part	Where	Status
Web app: home, recommendation form, cards, categories, dashboard	app/	✅ Works with demo data
Recommendation API: GET /api/recommend?merchant=…&category=…&amount=…	app/api/recommend	✅ Local server only (not in the static Pages build)
Chrome extension (Manifest V3): banner with the best card on about 20 known shopping sites	apps/extension	🧪 Prototype
Mobile app (Expo / React Native): category lookup	apps/mobile	🧪 Prototype
Database schema (Drizzle + PostgreSQL) and seed script	lib/db, scripts/seed.ts	🔜 Not wired into the pages
Personal wallet: save your own cards and get picks only from them	app/cards	🔜 Planned (button is a placeholder)

Venture materials in this repository

OneCard started as a startup idea, and the repository keeps its planning work alongside the code: a business model canvas, financial models and seed-competition projections, a pitch deck and presentation, a web feasibility study, tech specs, a credit-card rewards list, logo and background artwork, and meeting notes and recordings.

Honest status

OneCard is a working prototype on demo data, not a financial product.

• Cards, issuers and reward rates are a hand-made sample of 12 cards in lib/static-data.ts. They are not synced with issuers and may be out of date. Always check the issuer's current terms before deciding how to pay.
• Recommendations rank cards by the raw reward number, so points, miles and cash back are compared as if one point were worth one cent. Category caps, spending limits, rotating categories and annual fees are not modeled.
• There are no accounts and no saved wallet. "Add to My Wallet" and the "Your Cards" count are placeholders, so picks are made from the whole sample set rather than from cards you own.
• The Chrome extension uses its own built-in site list, references 16 px and 48 px icons that are not yet in the folder, and its "open app" link points to an old Replit address.
• The mobile app is an early single-screen prototype with hard-coded categories.
• OneCard never asks for card numbers or bank logins, and it is not financial advice.

Notes for agents

• The Pages workflow temporarily moves app/api aside and builds with GITHUB_PAGES=true, which turns on output: 'export' and the /OneCard base path in next.config.js.
• Older build output (.next/, out/) is committed in this repository; do not treat it as source.
• replit.md describes the original Replit setup and the planned database tables.

License

No license file is included in this repository. This README grants no additional reuse or redistribution permissions; contact the repository owner about permitted use.

_{OneCard · The right card, every purchase.}