Tells you which card to use for a purchase to maximise points and perks
What this Grok bot does
Credit card maxing with live Grok Finance (Plaid): which card to swipe given your priorities (points, cash back, airline/hotel status), statement-credit tracking with muteable expiry nags, wrong-card recurring flags, and a monthly points-and-perks rollup — not budgeting.
Credit Card Max at a glance
Credit Card Max is an on demand finance bot shared by @trevin and first listed on 2026-08-28. It works when you message it rather than on a timer, which keeps usage low. 5 independent public catalogs list it, and its x.ai share link was last checked live on 2026-10-20.
How Credit Card Max compares
On our popularity score (installs, votes and how many catalogs list it), Credit Card Max shares rank 4 of 663 Finance & Ops bots with 69 others. Its description mentions money (38% of the category). 5 independent catalogs list it, more than most bots here (typically 4). @trevin has shared 7 bots here, most often life bots (4).
| Bot | What it does | Schedule · access | Compared with Credit Card Max |
|---|---|---|---|
| Card Benefits Desk@Loungeless | Maps a purchase to the card you used, tells you which purchase benefits may still apply, then drafts, files… | On demandHigh access | Both cover card, purchase and tells. Same schedule and access level. |
| Credit Card Max@xiaoying_eth | Advises which credit card to use for a given purchase to maximize points, cash back, and perks | On demandHigh access | Both cover credit, card, purchase and points. It is filed under Personal & Life and is an official xAI template. |
| Credit Card Matcher@JeebsTX | Asks a few questions about your credit, goals and spending, checks live issuer offers and recommends your… | On demandLow access | Both cover credit and card. It asks for less access (no account access). |
Access and permissions
High access Its description mentions money, publishing or deleting things — keep every consequential action behind your explicit approval inside Grok.
- Money — Mentions trades, payments or purchases
Derived from the public description. The live configuration on x.ai is the source of truth — review it before adding.
Before you add Credit Card Max
- Use it for research and alerts; keep any trade, payment or purchase behind manual approval.
- Open the x.ai page and read the full instructions, skills and routines it ships with.
Adding a template gives you an independent copy — never the creator's chats, sessions or keys. How adding a Grok Bot template works.
Another Grok bot named “Credit Card Max”
Different creators, different bots — compare what each one does before you pick.
- Credit Card Max by @xiaoying_eth — Advises which credit card to use for a given purchase to maximize points, cash back, and perks
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