Career & Education
Miles Bot: My 24/7 Personal MCC Checker (Prompt Finance)
By Turtle Investor  •  April 26, 2026
I’ve been earning miles on credit cards for years. Like many optimisers, I’ve leaned on a third-party MCC checker at the payment counter to figure out which of my cards earns the most on a given swipe. Tools like HeyMax work. They’re free. Breadth of merchant coverage is unbeatable. Ease of use too. But every time I opened the app at a cashier, I was trusting someone else’s server, someone else’s rule logic, and someone else’s crowdsourced data. For something I do multiple times a week, that dependency felt lazy. I wasn’t always sure how much to trust a given entry either. So I built my own and called it Miles Bot. It knows my 3 credit cards. It knows the inclusions and exclusions in their T&Cs. It answers in natural language, one question in, one answer out. And it runs on Claude Haiku (actually, any AI model that reads files would work), always on, essentially free....
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By Turtle Investor
Hello there! I am Kevin and the author behind the Turtle Investor blog. At age 37, I hit CPF Full Retirement Sum (FRS) of $176,000 on the last day of 2019, twelve years after graduating from university. I am married and owns a 4-room apartment. I continue to be gainfully employed to build up my portfolio and provide my loved ones with better lives. Leaving everything behind and transitioning to a digital nomad life in Bali remains an option but not something that I’m actively pursuing now 🙂
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