Poiiints — free iOS app that connects to your bank and tells you which credit cards you should have based on your ACTUAL transaction history. Looking for honest feedback.

Hey [r/alphaandbetausers](/r/alphaandbetausers) — looking for testers willing to give real feedback on a personal finance app I just launched.

What it does: Poiiints connects to your bank via Plaid (read-only — same as Robinhood, Mint, Copilot), analyzes 12 months of real transactions, and tells you which credit cards would earn you the most rewards based on your actual spending.

Most credit card tools make you guess your spending. Poiiints starts with real data.

v3.0 features:
- Portfolio optimizer (finds the best 2-3 card combination for your spending mix)
- AI chat assistant with access to your actual transaction history
- Spend calculator — best card for any purchase before you buy
- Chrome extension for real-time checkout recommendations
- 154-card database

iOS App Store: https://apps.apple.com/us/app/poiiints/id6760567550
Web (works on any device): https://www.getpoiiints.com

What I specifically want feedback on:
- Is the Plaid connection step clear and trustworthy-feeling?
- Do the card recommendations make sense given your actual spending?
- Is the AI chat actually useful or generic-feeling?
- What would make you open this app regularly?
- Anything broken or confusing?

Solo founder, building in public. Happy to answer any questions about how it works. If you leave an honest App Store review, I'll personally respond to your feedback here.