Built by one person,
for everyone with a wallet

RewardSmart is an indie app — no VC funding, no growth hacks. Just a developer who got tired of leaving rewards on the table.

Sweety Singhal — Founder of RewardSmart
Indie Developer
Sweety Singhal
Founder & Developer, RewardSmart

Hi — I'm Sweety, the person who built RewardSmart from scratch. I'm a software engineer with a background in mobile development, and I built this app because I kept losing track of which credit card to use where.

I had five cards, a spreadsheet I never opened, and a habit of just grabbing whatever was on top of my wallet. After doing the math and realizing I'd missed out on hundreds of dollars in rewards, I decided to fix the problem myself.

RewardSmart is entirely self-funded and built solo. Every feature, every line of code, every design decision — that's me. I ship fast, listen to users, and care deeply about making the app genuinely useful rather than just feature-rich.

Mobile Development React Native AI / LLMs Personal Finance Indie Hacker
@rewardsmartapp Say hello
Why RewardSmart Exists

Simple beliefs, built into the product

Instant answers, always

If it takes more than 3 seconds to tell you which card to use, the app hasn't done its job. Speed is a feature.

Privacy without compromise

You shouldn't have to hand over your bank login to get card recommendations. RewardSmart only needs your card names — never your numbers.

Free that's actually free

The free tier gives you real, useful recommendations. Not a crippled demo designed to upsell you on day one.

Honest recommendations

Recommendations are based on your wallet and your spending — not on which card pays the highest affiliate commission.

Ship fast, fix faster

As an indie app, I can push fixes and improvements in days, not quarters. When users report something broken, it gets fixed — fast.

Built with users, not just for them

Every major feature in RewardSmart came from a real user request. The chat button is there for a reason — I read every message.

The Story

How a spreadsheet I never opened
became an app

Like a lot of people into credit card rewards, I started with a spreadsheet. Which card earns what at which store. Rotating quarterly categories. Annual fee offset calculations. The works.

I updated it diligently for about two months. Then I stopped. Real life doesn't wait for you to open a spreadsheet before you pay at a restaurant.

"I had five cards, a color-coded spreadsheet, and absolutely no idea which card I used at the last three places I shopped. Something had to give."

I started building a prototype on weekends — just a simple lookup tool. Type a merchant, see which of your cards earns the most. It worked well enough that I started using it myself every day.

Then I added AI. Not as a gimmick, but because "which card for Costco gas?" is genuinely the kind of question you want to ask in plain English and get an immediate answer. The AI layer (Cleo) knows your wallet and can reason across your cards, categories, and offers in a way no spreadsheet can.

Today RewardSmart supports 600+ cards, has a full MCP server so you can ask reward questions from Claude or ChatGPT, and earns users an average of $300+ more in rewards per year. It's still just me building it — and I plan to keep it that way as long as it stays focused and useful.

Ready to stop leaving rewards behind?

Free to download. No bank login required. Takes 2 minutes to set up.

Download on App Store Get it on Google Play