Is this a pain point for US-based folks?

[journeyman]

Ever since I moved to the US I've been (positively) overwhelmed with the amazing credit card offers and points that are available here.

I noticed that both bank and credit card accounts offer discounts or cashback for various websites. However, I've found myself having to log in to multiple apps (Chase, AMEX, etc) to figure out if a purchase I'm about to make has a discount available.

I'd love a search engine where you can just type the name of the brand or website you want to buy from, and will tell you whether any of your accounts offer a discount or cashback. I know the MaxRewards app offers that, but I'd like to build something that doesn't require connecting all your accounts to the app.

If you would welcome this solution, what would be your preferred platform? A standalone search website, a small phone app, or a browser extension?

 

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[MJ DeMarco]

CapitalOne has a similar program called Capital One Shopping.

Capital One Shopping

When you buy something, it automatically searches for discounts.

It does not, however, tell you which credit card has eligible discounts, as if the user has a dozen credit cards.

 

[ADR]

How you make a profit from this?

 

[SEBASTlAN]

You mean like Ebates?

 

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[Mace22]

Honey is similar to this idea, searching for discounts and coupon codes.
However cashback on certain stores seems interesting, but it would require signing up all your credit cards.

 

[journeyman]

CapitalOne has a similar program called Capital One Shopping.

Capital One Shopping

When you buy something, it automatically searches for discounts.

It does not, however, tell you which credit card has eligible discounts, as if the user has a dozen credit cards.

Thank you all for the contribution and feedback.
Yes, CapitalOne shopping can do this for Capital One branded credit cards, but not for any others like AMEX or Chase
I created a very simple visual example below of what the search bar would try to do

How you make a profit from this?

Good question, I have thought of at least 3 ways but all of them require significant growth of traffic, and the product always has to be free. So no1 goal is to see if it's useful to people and I'll worry about monetising later. The website would have low enough expenses that testing it for a few months wouldn't be a concern.

You mean like Ebates?

Honey is similar to this idea, searching for discounts and coupon codes.
However cashback on certain stores seems interesting, but it would require signing up all your credit cards.

Ebates/Rakuten or Honey all provide the same model of coupons or their own discounts/cashbacks. None of them give you credit card based discounts, at least to my knowledge. So these can be compounded, and someone could use both a Rakuten/Honey discount and a card-based cashback offer.

 

[journeyman]

Funnily I created an MVP to start gauging people's interest more formally, Cashback Search – Bank & Credit Card Discounts and Offers

only to realize that a free phone app (CardPointers) does this already

And I can't improve on their offering, theirs is actually even better than what I was planning. The only difference is the platform, but why would a large number of users prefer a website over a phone app? Doesn't look promising anymore, at least my idea had potential and made someone else money.

 

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[RightyTighty]

I feel the same way when a patent search reveals the results I did NOT want. A great exercise, though - time to move on to your next idea!