Hello, world – meet luci!

A free website that gives you personalized credit card recommendations to help you maximize your credit card rewards

Author

Richard Yoon
February 05, 2025

TLDR: We built luci to save you money and time by helping you maximize your credit card rewards and outsmart the system by doing all the math for you. luci provides you with personalized and unbiased credit card recommendations backed up with data (numbers don’t lie). 

P.S. luci is totally unbiased and does NOT factor in affiliate compensation in its card recommendations to users.

To explain why we built luci, we would first like to tell you about a problem that exists today.

Problem: Every year, millions of people are losing hundreds to thousands of dollars in cash back and rewards from owning the wrong credit card. 

Question: How do you know which credit card is the best for your spending habits? 

To answer this question above, can you recall what it was like the last time you went shopping for a credit card? 

There is a high chance that you searched online and you were met with blogs that looked like this: 

Oof…pretty painful

  • So much to read and understand 

  • You have to manually compare each card 

  • You need to assume and guesstimate the benefits 

  • And on top of that, zero personalization

Additionally, even if you read these credit card information 100 times, you will never know which rewards are actually relevant to you unless you know exactly how you spend your money (what categories, what stores, which months, etc). 

So here is the not so good news… if you used one of these blogs to sign up for a credit card or just went with a credit card that sounded good or whatever your friends had… you could be missing out on hundreds to thousands of dollars in cashback every year. 

Before you get upset about this… please understand:

It isn’t your fault

  1. Credit card companies want to make money from you. They want to win you by advertising rewards and deals that sound good, but in reality they want to give you as little in rewards as possible. (here is a link to an article on how Chase cut its credit card bonuses to minimize cost) 

  2. For blogs like NerdWallet and others, it’s in their interest to promote cards that would give them the most affiliate revenue. So the cards you see featured in these blogs or which have articles written about them are most likely not the best card that maximizes your rewards. (note: luci is totally unbiased and does NOT factor in affiliate compensation in its card recommendations to users.)

As you can see the cards are stacked against you (no pun intended). 

And that’s why we built luci: to empower users and to save them money and time. luci does all the math for users to provide them with personalized and unbiased card recommendations.   

Here is how luci works:

  1. Share how you spend with luci
    Using Plaid, you can securely share with luci how you currently spend on your credit cards.

    Note 1: luci does not sell any of your personal information to third parties.
    Note 2: luci does not store or track your transaction data. Your transaction data is used to present you with results and then removed from our system – just like a calculator

  1. (Or) You can manually enter your spending estimates for different categories

  1. Using patent pending technology and what you share with luci on your spending habits, luci does the math for you.

    It shares how you spend your money, based on aggregated spending data from all of the cards you choose to connect to luci 

  1. luci gives you a personalized card recommendation with how much you could earn from all the best reward cards available.

    luci gives recommendations for the best overall card and also by spending category.

    You can also set filters to look for specific card categories and/or features like “No Foreign Transaction Fee”, toggle intro bonus on or off, and look at 1-Year, 2-Year, 3-Year projections if you plan on keeping a card for more than 1 year

  1. luci shows you a clear breakdown of how your spending becomes rewards

There you have it. luci was created to help you outsmart the system and save money and time by doing all the math for you.

Thanks for reading and giving luci’s free tool a try to see if you have the best credit card that maximizes your rewards!

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