The Points Pro logo The Points Pro
Product Brief Web + iOS + Android www.thepointspro.us

Know what your cards are really worth.

The Points Pro is a personal and household credit-card wallet companion that helps members pick the right card at checkout, capture every recurring statement credit before it expires, and see to the dollar whether each card's annual fee is earning its keep.

No bank login or card numbers Members pick cards by name from our catalog. No bank linking, no credentials, no transaction scraping.
No paid rankings Every calculator ranks cards by net dollar return for the member's own spend and wallet, never affiliate payouts.
Honest point valuations Shows cash back, travel portal value, and transfer partner value side by side so members pick the baseline they trust.
Built for the cards you hold Most value comes from capturing credits and category multipliers on cards already sitting in the member's wallet.
The Points Pro mobile Today screen with Wallet Pulse
84
Cards Supported
Personal & business across major issuers
188
Recurring Credits
$25,000+ a year across 55 merchants
1,167
Benefits & Perks
Lounges, protections, concierge & status
117
Transfer Routes
Bank programs to airline & hotel partners
20
Loyalty Programs
Mapped across 3 global airline alliances
25
Card Synergies
Point pooling & companion pass rules
Why The Points Pro Exists

The problem with rewards cards today, and how we solve it

Issuers have turned premium credit cards into complex coupon books with $550 to $895 annual fees. Cardholders are left juggling spreadsheets, memory, and affiliate blogs just to break even.

Zero Spreadsheets Independent Math
Problem 01: Credit breakage

Hundreds of dollars in statement credits quietly expire every month

Modern cards split their value into $10 monthly dining credits, $50 semi-annual department store credits, $200 hotel credits, and 12-use ride credits. Missing even three or four resets a year turns a winning card into a net loss.

The Points Pro Solution

A live Credit Scoreboard with per-use circles and expiring nudges

Every monthly, quarterly, semi-annual, annual, and multi-year credit is mapped automatically for your wallet. Members check off individual uses (up to 20 numbered circles per year), log partial dollar amounts, and mark credits used straight from email or push alerts.

Problem 02: Checkout guesswork

Pulling the wrong card at the register leaves 2x to 5x points on the table

Between rotating categories, merchant exclusions (like warehouse clubs or wholesale stores), and overlapping dining or travel multipliers, even experienced cardholders guess at the counter or in a two-player household.

The Points Pro Solution

Instant Category Playbook, 55-merchant picks, and mobile "Which card"

Ranks the best and runner-up card in your wallet across 14 spend categories and 55 specific merchants (Costco, Whole Foods, Uber, Airbnb, airlines), complete with stacking credit callouts and a printable one-page cheat sheet.

Problem 03: Blind fee renewals

Annual fees post before cardholders know if the card paid for itself

When a $695 or $895 annual fee hits the statement, most people have no record of how many credits they actually captured over the past 12 months, or which downgrade paths preserve their credit history and points.

The Points Pro Solution

The Fee Scoreboard and 45-day pre-renewal review

Tracks exact annual-fee recovery across every card in your wallet in real time. Forty-five days before a card renews, members receive a plain-English renewal summary showing credits recovered, unused value, and no-fee downgrade options.

Problem 04: Biased card advice

Public "best card" lists rank whatever pays the highest affiliate commission

Most review sites ignore the cards a person already holds, use inflated cents-per-point assumptions, hide historical welcome-offer lows, and leave out strict issuer rules like Chase 5/24 or Amex family restrictions.

The Points Pro Solution

Independent calculators, 12-month simulator, and 5-year bonus history

Calculates incremental Year 1 and Year 2+ dollar value against the member's existing wallet, simulates a full 12-month calendar of renewals and bonuses, and charts 5 years of historical welcome offers alongside automatic 5/24 and issuer rule checks.

Area 01 · Daily Command Center

Today Dashboard, Wallet Pulse, Universal Find & Smart Inbox

A calm, prioritized home screen that surfaces only what needs attention right now: credits expiring this cycle, active sign-up bonus spend trackers, upcoming fee renewals, and instant search across your entire wallet.

Web + Mobile Email + Push Action Links

Wallet Pulse & Needs Attention

Live scoreboard of annual fees vs. credits recovered, paired with an urgency queue for credits expiring within days, bonus spend deadlines, and fee renewals.

Universal Find (/ shortcut)

Type any merchant, airline, lounge network, or protection ("dining", "Saks", "cell phone", "Priority Pass") to jump straight to the matching credit, perk, or card.

Actionable Notifications Inbox

Every reminder lands in an in-app inbox and optional email/push digest with one-tap "Mark Used" buttons that record the credit without even logging in.

www.thepointspro.us
Web Today dashboard with Wallet Pulse and Needs Your Attention
Web: Today dashboard with Wallet Pulse, Needs Your Attention, and Quick Actions
Universal Find search results for dining across wallet
Mobile: Universal Find search
Notifications inbox with unread alerts
Mobile: Smart Notifications Inbox
Area 02 · Everyday Spend Playbook

My Wallet, Category Playbook, Merchant Picks & "Which Card to Use"

Turns a stack of personal, business, and authorized-user cards into a clear everyday playbook. Shows the top card and runner-up for every spend category and major retailer, factoring in point pooling and active welcome bonuses.

14 Spend Categories 55 Merchant Lookups Printable Cheat Sheet

Category & Merchant Playbook

Ranks your #1 and #2 cards for Dining, Groceries, Flights, Hotels, Gas, EV Charging, Streaming, Transit, Online Shopping, and 55 household merchants.

Stacking Perks & Portal Warnings

Flags when a merchant also triggers a statement credit on one of your cards, and warns when a high multiplier requires booking through an issuer travel portal.

Active, Watching & Closed Lifecycle

Track open dates, custom nicknames, annual fee overrides, retention offers, downgrade history, and active sign-up bonus spend progress bars in one place.

www.thepointspro.us/my-cards/#whichcard
Web My Cards Playbook showing best card by category and stacking perks
Web: Personalized Playbook with category winners, runner-ups, and stacking credits
Mobile Which Card screen ranked for dining spend
Mobile: "Which card" category lookup
Mobile My Cards wallet list with active bonus tracker
Mobile: Active wallet & bonus progress
Area 03 · Fee Recovery & Certificates

Credit Scoreboard, Per-Use Checklists & Certificates Tracker

Tracks 188 recurring credits across monthly, quarterly, semi-annual, annual, and every-4-year cycles, plus free-night awards, companion passes, lounge visit banks, and upgrade certificates.

188 Credits Tracked Per-Use Circle Checklists Free-Night & Companion Awards

Cycle & Per-Use Tracking

Toggle monthly (J F M A M J J A S O N D), quarterly (Q1-Q4), semi-annual (H1/H2), or numbered per-use circles (1 to 20) with partial-dollar amount support.

Personal Value Weighting

Discount or mute credits you would never naturally use so your Fee Scoreboard and Best Card recommendations reflect your real valuation, not brochure face value.

Certificates, Passes & Voucher Codes

Manage hotel Free Night Awards (with point top-off caps), airline companion certificates, lounge visit counters, and custom expiration dates or voucher codes.

www.thepointspro.us/my-cards/#credits
Web Track Credits scoreboard with Amex Platinum per-period buttons expanded
Web: Credit Scoreboard with per-card fee recovery bar and interactive period buttons
Mobile Mark Used bottom sheet with partial dollar input
Mobile: Partial or full credit logging
Mobile Certificates and Passes tracker
Mobile: Certificates & Free Night Passes
Area 04 · Decision & Modeling Engines

Best Card Finder, Big Purchase Planner & 12-Month Year Simulator

Interactive financial engines that model how any card or upcoming purchase performs in your specific wallet across Year 1 (with sign-up bonus) and Year 2+ ongoing hold value.

6 Spend Persona Presets 12-Month Calendar Simulation Single-Purchase Optimizer

Best Card Finder (14 Category Sliders)

Dial in monthly spend or pick one of 6 style presets (Everyday Earner, Frequent Traveler, Foodie, Road Warrior, Family, Cash-Back Purist) to see ranked net dollar returns.

Simulate a Year (12-Month Journey)

Route each spend category to the best card in your lineup and play all 12 months forward to see points earned by currency, credits offsetting annual fees, and milestone unlocks.

Big Purchase Planner

Enter a single upcoming expense (for example, a $2,500 flight or $850 hotel stay) to compare returns across your wallet cards vs. clearing a new welcome bonus.

www.thepointspro.us/find-best-card/#simulate
Web Simulate a Year 12-month projection and breakdown
Web: "Simulate a Year" 12-month projection routing category spend and fee recovery
www.thepointspro.us/big-purchase/
Web Big Purchase Planner comparing cash, portal, and transfer value on a $2,500 flight
Web: Big Purchase Planner showing cash, portal, and transfer value side by side
Mobile single purchase calculator for an $850 hotel stay
Mobile: $850 hotel stay calculator
Area 05 · Points, Transfers, Loyalty & Perks

Live Transfer Bonuses, Interactive Transfer Map, Loyalty Status & Extra Perks

Maps 117 transfer routes between bank point currencies and 20 airline and hotel loyalty programs, highlights live confirmed transfer bonuses, and consolidates all 1,167 card protections and automatic elite tiers.

117 Transfer Routes Confirmed Live Bonuses 20 Loyalty Programs

Transfer Bonuses & Sankey Map

Tracks active bank-to-airline and bank-to-hotel transfer bonuses (20% to 65%+) with expiration countdowns, source links, and an interactive visual flow map filtered to your wallet.

Transfer Options Planner

Step-by-step redemption planner: enter your points balance and destination program to compare transfer ratios, alliance partner booking paths, and historical bonus frequency.

Loyalty Status Ladder & Extra Perks

Visualizes complimentary hotel and rental car elite tiers granted by your cards, alongside side-by-side travel insurance, cell phone protection, extended warranty, and lounge access.

www.thepointspro.us/transfer-bonuses/
Web Transfer Bonuses page with interactive Sankey transfer map and confirmed live bonuses
Web: Interactive Transfer Paths map and Confirmed live transfer bonuses
www.thepointspro.us/transfer-options/
Web Transfer Options step-by-step comparison planner
Web: Step-by-step Transfer Options redemption planner
Mobile Loyalty Status tiers and fast-track rules
Mobile: Loyalty Status tiers
Area 06 · Card Intelligence & Application Rules

5-Year Sign-Up Bonus History, Issuer Rules & "For Your Wallet" Fit

Deep reference profiles for all 84 cards showing whether today's welcome offer is near its 5-year peak, whether you are eligible under issuer velocity rules, and which perks overlap with cards you already carry.

5-Year Bonus Charts Chase 5/24 & Issuer Rules Overlap Detection

5-Year Sign-Up Bonus History

Interactive step-line chart plotting 5 years of public welcome offers with peak vs. current comparisons and a "High Offer" badge when a bonus is near its historical high.

Automatic 5/24 & Issuer Rule Engine

Computes your personal Chase 5/24 status from open dates and checks Amex once-per-lifetime/family rules, Citi 8/65 and 48-month rules, Capital One 1/6, and BofA 2/3/4 rules.

"For Your Wallet" Incremental Analysis

Shows only the net new multipliers, new transfer partners, and non-overlapping benefits a candidate card would add on top of the cards you already hold.

www.thepointspro.us/cards/american-express-business-platinum-card/
Web Card Detail page with 5-year sign-up bonus chart and earning rates
Web: Card Intelligence page with 5-year Sign-Up Bonus history chart and earning table
Mobile 5-year Sign-Up Bonus history chart
Mobile: 5-year welcome offer chart
Mobile Before You Apply issuer eligibility rules
Mobile: "Before you apply" rules
Area 07 · Two-Player Households & Community Growth

Household Companion Sharing, Milestone Celebrations & Ambassador Program

Built from the ground up for couples and families playing the two-player game, with celebratory milestone moments and a built-in referral loop that rewards members and creators.

Household Companion Mode Milestone Celebrations /i/handle Referral Links

Two-Player Household Companion

Link a partner's account to view a unified wallet (Both wallets, Mine, or Partner), coordinate credits and certificates, and see a distinct purple partner badge on every shared recommendation.

Milestone Celebrations

Celebrates real wins when a member completes a sign-up bonus spend requirement, recovers 100% of a card's annual fee, or clears every expiring credit for the month.

Custom /i/handle & Ambassador Status

Every member can claim a custom /i/handle referral link on Refer a friend that gifts friends 3 months of Navigator free and unlocks lifetime Ambassador status after 10 paying referrals.

Mobile My Cards showing Both Wallets filter with purple partner badge
Mobile: Two-player "Both wallets" view with purple partner badges
Mobile Sign-Up Bonus earned milestone celebration
Mobile: Sign-up bonus earned celebration
Mobile Refer a Friend and Ambassador progress screen
Mobile: Refer a Friend & Ambassador progress
Target Audience & Member-Aligned Pricing

Built for five types of cardholders, priced below one forgotten credit

Because we never sell member data or bias rankings for affiliate payouts, The Points Pro is funded directly by members. Every new account starts with a 14-day Navigator trial (or 3 months free via a creator /i/handle link).

14-Day Free Trial 3 Months Free via Creator Link

1. Multi-Card Holder

Holds 5 to 15+ cards across Chase, Amex, Capital One, Citi, and Bilt. Replaces fragile spreadsheets with an automated calendar and 5/24 tracker.

"Replaced my 9-tab spreadsheet in three minutes."

2. Busy Professional

Carries 2 or 3 high-fee travel cards ($395 to $895/yr) and wants timely nudges before monthly dining, ride, and travel credits expire.

"One recovered $50 credit paid for two years of Navigator."

3. First-Year Explorer

Just opened a first rewards card and wants clear guidance on hitting the welcome bonus and comparing cash vs. transfer value.

"Shows cash and transfer value side by side without hype."

4. Two-Player Household

Couples who split grocery, dining, and travel spend across two wallets and want one shared view of expiring credits and category winners.

"My partner knows which card to pull without texting me."

5. Renewal Decider

Has an annual fee coming due in the next 60 days and wants an objective accounting of credits used vs. fee paid, plus downgrade options.

"Gave me the exact numbers before my $695 fee renewed."
Explorer
$0 forever
After your 14-day full Navigator trial
  • Track up to 3 active cards in your wallet
  • Full 84-card directory & 5-year bonus charts
  • Best Card Finder & Big Purchase Planner
  • Live Transfer Bonuses & Transfer Map
  • Per-card credit tracking for your 3 cards
Navigator Monthly
$2.99 / month
Flexible month-to-month access
  • Unlimited cards in your wallet
  • Full Category & 55-Merchant Playbook
  • Certificates, Free Nights & Loyalty Status
  • Email & push credit expiry reminders
  • 45-day annual fee renewal alerts
  • Household Companion sharing (2 wallets)
Navigator Annual
Save 44%
$19.99 / year
$1.67/month billed annually
  • Everything in Navigator Monthly
  • Unlimited cards, credits & certificates
  • One-click email & push "Mark Used" links
  • Printable one-page wallet cheat sheet
  • Full Household Companion wallet merge
  • Less than one forgotten $20 credit
Founder's Passport
Capped at 500
$79.99 one-time
No recurring subscription ever
  • Permanent Navigator access for life
  • Numbered Founder badge (#1 to #500)
  • Unlocks Simulate a Year (12-month engine)
  • Unlocks Transfer Options Planner
  • Every future Navigator feature included
Earned Tier · $0 Forever

Ambassador Status (Unlocked at 10 Paying Referrals)

Members and content creators who refer 10 friends who become paying members earn permanent Ambassador status: lifetime Navigator access with no subscription, plus full access to the Simulate a Year 12-month engine and the Transfer Options Planner.

View Creator Partnership Pitch → See current plans on the site
Plan Comparison & Access Matrix

How capabilities map across Explorer, Navigator, and Founder / Ambassador

Every public research tool remains open to Explorer members so anyone can evaluate cards honestly, while Navigator and Founder / Ambassador power the ongoing wallet, household, and simulation engines.

Web + iOS + Android Synchronized in Real Time
Product Capability Explorer $0 Forever Navigator $2.99/mo or $19.99/yr Founder / Ambassador $79.99 once or 10 referrals
Active Cards in Wallet Personal, business, and authorized-user cards tracked Up to 3 cards Unlimited cards Unlimited cards
84-Card Directory & 5-Year Sign-Up Bonus History Historical welcome offer charts, High Offer badges, and issuer rules Included Included Included
Best Card Finder & Big Purchase Planner 14 category sliders, 6 spend presets, and single-purchase calculator Included Included Included
Live Transfer Bonuses & Interactive Transfer Map 117 transfer partnerships and confirmed live bonus tracking Included Included Included
Credit Scoreboard & Per-Use Circle Checklists Monthly, quarterly, semi-annual, annual, and 20-use circle tracking Up to 3 cards All wallet cards All wallet cards
Category Playbook, 55-Merchant Lookup & Print Sheet Best and runner-up card by category/merchant plus printable cheat sheet Up to 3 cards Full wallet + Print Full wallet + Print
Certificates, Free Night Passes, Loyalty Ladder & Perks Track free nights, companion passes, 20 loyalty programs, and 1,167 perks Preview mode Full access Full access
Email & Push Expiry Alerts + 45-Day Renewal Reviews One-tap "Mark Used" email/push links and pre-renewal fee scorecards Not included Included Included
Household Companion (Two-Player Shared Wallet) Combine two partner wallets with unified playbooks and purple partner badges Not included Included Included
12-Month "Simulate a Year" Engine & Transfer Options Planner Full-year spend/credit/fee simulation and step-by-step redemption routing Not included Not included Exclusive Access