The accuracy-first points portfolio optimizer
Your wallet is leaking money. See exactly where.
The audit is free. What your points are worth and the exact line where an earning cap starts costing you, on every card you hold. The keep-or-cancel verdict comes from your real spending, so it runs on the card you sync - free syncs one card. Once your cards are in, Which Card answers the next purchase: the best card in your wallet, aware of the caps you have already used.
Point values appear as you enter cards. Connect a bank in two minutes - wrong-card analysis on the card you sync starts minutes after.
Free forever · Unlimited cards valued · No credit card required · Plaid read-only - we never see your bank login. Newer to points? Start here.
Three findings from a sample wallet.
Averages are marketing. Your number is math.
Other tools tell you what the average person saves. The audit reads your cards and your transactions, then shows each leak as a line item you can check.
Dining ran on a 1x card
$2,840 of dining in 90 days ran on a flat 1x card. The 3x card in the same wallet earns 5,680 more points on that spend.
A $300 credit is on the clock
The Fine Hotels Credit on this card pays $300 each half of the year. The January-June $300 lapsed unused. The July-December $300 is still at $0.
One fee earns its keep
Sapphire Reserve: $600 of credits used and $310 earned on its spend this year, against the $795 fee.
SAMPLE · FREELast month, totaled: this wallet left $51 on the table
9 transactions · each one a line item · July 2026 sample wallet
Free syncs one card. How many are in your wallet?
Everything you add by hand is valued free - unlimited cards. Automatic transaction sync is the scarce part, and the paid tiers do the watching.
Prices plus applicable sales tax.
Every fee earns its keep. Or it doesn't.
A $795 card is a great deal right up until it isn't.
Every card you add gets its fee facts free. The keep-or-cancel verdict comes from your transactions - the credits you actually used, the rewards the card actually earned - and that takes sync. Free syncs one card: point it at the fee you doubt most. Plus syncs five and runs the full annual review, credit by credit, before each fee posts.
Three steps to an audited portfolio.
Point values price out as you enter cards - no bank required. Connect one and wrong-card analysis starts in minutes; the full history settles within hours.
Add your cards
Connect read-only through Plaid or enter cards manually. We never see your bank login.
We compute your real rates
Earning caps, weighted rates, transfer routes, and point values - from your actual spending, not national averages.
Decide with the math shown
Which card to use for the purchase in front of you (the Which Card tool answers from anywhere in the app), whether each annual fee earns its keep, and the best redemption path for every balance.
What the subscription does between logins.
Values drift. Ratios get cut. Credits expire at month-end and fees post on schedule. Free answers whenever you look. Plus watches your synced cards and speaks up before the money moves - not after.
We refuse to publish a single "value per point."1 Every benchmark carries a redemption method, a written rationale you can read, and - where the program has an award chart - a range.2 When an issuer changes a ratio, the catalog gets a dated entry3 - and when we get something wrong, the fix ships as a dated entry too, kept visible.4
1130+ CPP benchmarks, each min / typical / max per program per redemption method. Where a program prices off the cash fare or a fixed peg, we publish one value at every setting.
2Every benchmark carries a written rationale you can read. 52 of 149 also cite a named primary source, with more added every verification pass.
3115+ transfer paths with exact ratios and devaluation history preserved.
4Value changes land as dated entries - kept, never overwritten. Spot an error? Tell us.
Alerts are only worth paying for if the math behind them is right. Here is the math, with receipts.
| Route | Ratio today | Change |
|---|---|---|
| Chase UR → World of HyattSapphire Reserve keeps 1 : 1. Preferred and Ink go 4 : 3 - new applications Jun 15, existing cards Oct 1, 2026. We track which rate is yours. | 1 : 1 or 4 : 3 | from Jun 15, 2026 |
| Citi TYP → Choice | 1 : 1.5 | lowered ▼ was 1 : 2 · Apr 2026 |
| Amex MR → Cathay Pacific | 5 : 4 | lowered ▼ was 1 : 1 · Mar 2026 |
| Amex MR → Leading Hotels of the World | 4 : 1 | added ▲ added · Jul 2026 |
| Bilt → AlaskaThe only transferable currency for Alaska. | 1 : 1 |
A lowered ratio means the same points buy less - and transfers are irreversible. Every ratio above is read from the live catalog, including the ones that depend on which card you hold and when you got it.
Every major points program, covered.
| Program | Transfer partners | Portal rate | A route worth knowing |
|---|---|---|---|
| Chase Ultimate Rewards | 14 | 1.0¢ | Hyatt 1 : 1 or 4 : 3 |
| Amex Membership Rewards | 20 | 1.0¢ | ANA 1 : 1 |
| Capital One Miles | 22 | 1.0¢ | Turkish 1 : 1 |
| Citi ThankYou Points | 19 | 1.0¢ | Choice 1 : 1.5 |
| Bilt Rewards | 24 | 1.25¢ | Alaska Atmos 1 : 1 |
| Wells Fargo Rewards | 10 | 1.0¢ | Air France 1 : 1 |
| HSBC Rewards | 13 | 1.0¢ | Most partners 5 : 4 |
| US Bank Altitude Points | 5 | 1.0¢ | Air France 1 : 1 |
Built for people with real portfolios.
Three cards and counting
Multiple issuers, multiple currencies, one place where the math holds together.
The annual-fee skeptic
Sync a card and its fee gets a verdict: is it still worth it - from credits you actually used.
The application planner
Eligibility rules read against your portfolio before you spend a hard pull.
The business owner
Each business keeps its own books. Personal and business cards together in one tool.
For business →Two-player households
Both portfolios in one view - who opens what next, and who books the trip.
Written like the ledger reads.
Asked plainly, answered plainly.
Subscriptions - $5.99 a month for Plus, $11.99 for Pro, plus applicable sales tax - are what funds the product today. Some Apply links may earn us a commission - we won't have an affiliate link for every card. Affiliate commissions never influence our recommendations; the same ranking math runs whether or not we earn anything. So the math never bends toward an issuer.
Run the free audit and check. If the findings on your wallet don't cover a year of Plus, stay on Free - it's free forever, and the catalog is the same one subscribers get.
Every spec, every transfer ratio, every welcome offer is verified against the issuer's own published terms first. We confirm each one against publicly observed redemptions and community reports before it ships, and we update as soon as ratios change or programs add partners. The point valuations are our own work, calibrated against actual award pricing rather than averaged across portal redemptions.
The short version: we did the research so you don't have to redo it every time the landscape shifts. The methodology page documents how.
A spreadsheet is the right instinct - it's what we automated. The difference is that a spreadsheet only knows what you last typed into it: earning caps, transfer ratios, fee schedules, and point values keep moving - ratio cuts and value changes land in our catalog as dated entries - while your sheet quietly goes stale. Sync also fills in the side a sheet makes you maintain by hand - which card actually ran each purchase, which credits you actually used. Add your cards free and run both for a month; keep whichever is still right.
No. Every card you add by hand shows its fee facts free - the fee, the due date, and the credits it offers. The keep-or-cancel verdict - is each fee still worth it - is the one thing that needs your real spending: the credit-by-credit, dollars-earned breakdown that turns a judgment call into arithmetic. So it comes from a synced card, and free syncs one - point it at the fee you doubt most.
No. You can add cards manually and skip Plaid entirely. Manual cards still get the analysis that runs off your balances and your lineup: point values across 45+ programs, every transfer path, your fees and credits laid out, the Redemption Guide, and your card catalog with benefits listed.
If you do connect, it goes through Plaid - the same read-only infrastructure behind Venmo and Robinhood. We see transactions, never your bank login, and we can't move money. Data is encrypted at rest with AES-256, and you can disconnect any time.
Cashback apps and PointBagel both answer the swipe question - which card is worth the most on this purchase. Cashback apps compare multipliers; PointBagel prices each card's points at what you actually redeem them for, cap-aware and from your real spending: if a bonus cap is already used up this period the pick reflects that, along with rotating quarters and any grandfathered rate you still hold. It answers from anywhere in the app or through a connected AI assistant. What checkout apps add is delivery - a prompt at the register and merchant offers to clip. What PointBagel adds is everything the swipe depends on: what every balance is actually worth, whether each annual fee survives its own arithmetic, which transfer route beats the portal, and what the cap on your grocery card quietly costs you at your real spend.
For tool-by-tool comparisons, see how we compare.
You stop being charged immediately and keep full access through the end of the period you already paid for. After that you have two choices: stay on the free tier and keep your data, or delete your account. (For a bank you disconnected by downgrading, we keep its raw transactions for about two years so you can reconnect and rebuild as much history as that bank shares; after that we keep its value summary and remove the raw transactions.) Deleting removes your personal data and ends our emails to you, because there is no account left to contact. Either way the option lives in Settings, and you can come back anytime.
Find out what your wallet is leaking - free.
Add every card you own by hand, connect one to sync, and your numbers are minutes away. No credit card required.
One email a month: what changed in the catalog, and what it costs you. Unsubscribe anytime.