Premium perks. Less homework.
Your cards, credits, and points. Actually used.
The Points Pro tells you which card to pull out, tracks the credits that matter, and shows whether each annual fee is earning its keep.
No card numbers. No bank login. Just the cards you own.
- 69 cards supported
- 180 recurring credits, $29k+ a year with 55 merchants
- 1,019 benefits and perks tracked
- 102 transfer partnerships mapped
- 20 loyalty programs, 3 alliances
- 8 card synergies mapped
Your wallet today
sample- Best for dining Amex Gold
- Still available $15 dining credit
- Renewal Platinum in 24 days
- Annual fees recovered 82%
Credit tracking
sample- Resy dining$100/qtr
- Streaming services$25/mo
- Uber Cash$15/mo
A nudge before each one resets.
The fee scoreboard
sample$455 in credits used, $105 still on the table.
Know which card to use
One answer per purchase, from the cards already in your pocket. Type a store, Safeway or Shell or Costco, and get the card and the reason.
Catch credits before they reset
Every recurring credit tracked by cycle, with reminders when one is about to slip.
See if the fee pays off
An honest annual-fee scoreboard. If a card is not earning its keep, you will know.
Find the best card for your spending
Set your monthly spend and we rank every card by net annual value.
Plan a big purchase
One upcoming purchase, compared across cash, transfer, and portal value.
Browse the supported cards
Every card we track, with fees, earn rates, and honest valuations.
Free course
New to points and miles? Start here.
Learn the whole game in order: the habit that makes it all work, the cards actually worth holding, and the redemptions worth planning around. Short lessons in plain language, and you can start anywhere.
The moments it pays for itself
The credit you didn't know you had
Add your cards and the full list surfaces: the airline incidental you never touched, the streaming credit that resets every month whether you use it or not.
The gap your points leak through
Set your spend and find the category where your best card earns 1x while a better fit would earn 4x. Wallet fit shows exactly what would close it.
The household wallet
Link one trusted Companion and run two wallets as one: shared credit tracking, shared reminders, and no debate about which card dinner goes on.
Wells Fargo Autograph Journey Card
Citi Double Cash Card
Amazon Prime Card
Built for people who hate coupon books. No inflated valuations, no pay-to-rank recommendations, card data refreshed Sep 12, 2026.
Build my wallet