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31% of credit card holders aren't redeeming their rewards... which is why cash-back credit cards are the most popular card type across all generations. We used ARKit, the Capital One Bank Account Starter API, and the Capital One Rewards API to build a library for interacting with credit/debit card rewards in augmented reality. We show the different reward types as a 3D bar chart on your card on the table. By tapping a bar, you can learn more about your rewards and, if Capital One makes a fund transfer API, redeem them as cash rewards using a Marqeta virtual card and just-in-time funding. We made our own Swift library for both paying credit cards using a Capital One savings account and for redeeming cash rewards.