This may need to be crowdsourced. Visa and MC do not always agree on the category.

An important thing here IMO would be to factor in both standard best card rankings (ex. 3% back at grocery stores) AND specific card offers (ex. Get $15 back if you spend $30). I think there's no good way in the app today, that I'm aware of at least, that combines both of these side by side to truly tell me which card to use.

And allow for manual override. For example, McDonalds on my Delta Platinum said 1X miles but I get 2X whenever I shop.

Not all stores currently show up when searching near by. Anyways the tool can be improved ?