Story

I'm trying to wrap my head around why there isn't a wallet app that auto selects card to pay based on the merchant you are paying yet. Most people I know have 5+ credit cards and only use one card to tap everywhere not bothering about rotating rewards on other cards that could give them better cash back. Why they have other cards? So that they can have them on standby and use them incase they have to make a bigger purchase.

So I why didn't someone tap into this market? Because I know banks make same if not more money even if customers avail these extra rewards. Whats stopping apple or google from adding this feature. Whats stopping anyone else from entering this market and competing to tapping into this niche? Because it is totally possible given visa master card and amex provide the APIs for it and there is virtually not much technical magic needed to pull this off.

Would you use a wallet that could

1. Auto-select card that gives you maximum rewards at a given vendor/merchant 2. Suggest a better card based on your spending pattern 3. Auto-select card based on your spending pattern (sometimes accumulating points and buying planes tickets is much more lucrative) 4. More interesting UI than Google Pay/Apple Pay

Would you use this service? or even more, pay 25 bucks a year for this service?