It's pretty low risk and I'm just doing it for saving a few bucks. So far it has only had one moderate oppsie that I caught. It recommended a kefir brand that it turned out was actually low fat (which I didn't want), but in defense of the AI, I had also read the entire package and didn't see the tiny low fat words written on top of the pink cap either. I only noticed when I started drinking it and went back for a closer look.

I tried to checkout your tool, it starts with an account though and I don't have many CC. It sounds like it sound be useful though if you have those stacked deals like 3% cash back but 8% cash back on Tuesdays for gas only and then another card that's 5% cash back every day. I agree it's a good amount of context to keep track of though.

I kinda turned the tool off for now anyway cause I stopped paying the subscription for it haha

I imagine this to be better with an apple wallet type interface where I don't even have to ask and the wallet just auto selects whatever's best - but this seems to be super hard to build so I kinda just gave up