How many times have you pulled out your wallet and thought, "Dang it... Which card is the best at this store today?" I hate standing in line at the store and having to log into my banking apps and browse the benefits tab maze before committing to a card. I have over 12 cards and I sincerely can't remember which one does which anymore. Just a quick AI assistant where I could type something like "Groceries" or "truck stop restaurant" and it would immediately tell me which card to use. That might keep me paying for additional years. As of right now I'm not sure it's worth the squeeze, you know what I mean?