CreditMaxxing

Inspiration

People have all types of credit cards but don't know about all the rewards they could get. No one wants to put the effort and research into what benefits every single card possibly has. This could be costing people hundreds.

What it does

CreditMaxxing automatically chooses the best cards depending on where you are at, and finds the best coupons for your order.

How we built it

We had to make a lot of user flow and architectural decisions along the way before even starting the build. After figuring out al of the project's specs, we decided to open Claude Code and Codex to start building the core features. We split the app into 4 people, for 4 distinct features.

Challenges we ran into

We initially wanted to integrate it with Apple Pay itself, but realized that this was a huge limitation for us because Apple doesn't allow it. So we built an app that mocks the Apple Pay system.

Accomplishments that we're proud of

Apple doesn’t allow third-party access to Apple Pay, so we rebuilt the experience from scratch: a stacked-card wallet UI with a location-triggered card lift and a simulated NFC tap-to-pay flow (proximity scan → handshake → approval → receipt). It feels like the real thing, and it lets us animate why a card won, which the real wallet can’t do.

What we learned

Working with AI coding tools in a team. Claude Code and Codex sped up our builds a lot, but they work best with clear specs and clear boundaries. The more precisely we defined each feature, the better the output

What's next for CreditMaxxing

We need to make CreditMaxxing more scalable. This includes connecting with real NFC devices, taking in real credit cards, and having a scraper to find coupons. In the future, we do think of using Apple pay behind the scenes within the app itself.