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.
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 credit is quietly expiring
The $10 monthly dining credit on this card is at $0 used, and it resets in 6 days. The credit is worth $120 a year.
One fee earns its keep
Sapphire Reserve: $600 of credits used and $310 earned on its spend this year, against the $795 fee.
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.
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, 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 range, a redemption method, and a dated rationale you can read.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.
2Every benchmark carries a dated rationale you can read. 27 of 141 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 | ▼ was 1 : 2 · Apr 2026 |
| Amex MR → Cathay Pacific | 5 : 4 | ▼ was 1 : 1 · Mar 2026 |
| Capital One → EVA Air | 4 : 3 | |
| 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 | 19 | 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 |
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 - 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.
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.