Centipede

Payment Screen
Add Cards
Success
Cashbacks

Inspiration

Managing multiple credit cards is confusing, each has its own reward categories, cashback limits, and rotating bonuses. We wanted a smarter way to automatically get the best value from every purchase without thinking twice.

What it does

Centipede links all your credit cards into one seamless payment experience. When you make a purchase, it instantly selects the card that gives you the highest cashback or most reward points for that category, maximizing your benefits automatically.

How we built it

We used the Stripe API to handle secure payments and manage linked credit cards, and MongoDB Atlas to store card reward data and user mappings. Our Flask backend determines the optimal card for each spending category, updating recommendations only when a user adds or removes a card, ensuring both efficiency and scalability. This is displayed with a front-end created with React Native.

Challenges we ran into

Mapping categories consistently across different issuers’ reward programs.

Accomplishments that we're proud of

Built a functional prototype that automates credit card optimization. Created a product that could genuinely help users save money effortlessly.

What we learned

We gained a far deeper understanding of the tech stack, as well as different credit cards and their rewards systems!

What's next for Centipede

We plan to integrate AI-driven spending analysis to offer personalized card recommendations, expand support for international reward programs, and design a virtual “Centipede Card” users can add to their wallets, making the optimization process completely invisible and effortless.