Pick the plan that fits your portfolio

When you connect a bank through Plaid, we read your card purchases (categories, amounts, merchants) and use that data in four ways. First, we run the math on whether you're earning the most points on each type of spend. Second, we watch for transactions that match your card's statement credits and benefits, so we can tell you when a credit has actually been used versus still sitting there unclaimed. Third, we detect when an annual fee posts on each card (the exact date, the exact amount) so your fee calendar is built from reality, not from guessed anniversary dates. Fourth, all of this powers the alert engine: if you've told us you want a nudge before a credit expires or before a fee posts while you can still act on it, we only fire when the nudge actually matters. The accuracy of every alert depends entirely on us seeing the spend. Free gets 1 auto-sync card, Plus gets 5, Pro is unlimited. We never move money, never share your purchase data, and you can disconnect at any time.

Every purchase on a synced card shows two numbers: the points it earned and what those points are worth in dollars. Both come from our verified earning rates and the card's earning caps - the same rates and caps the rest of the engine runs on, not a flat guess. If a number ever looks off, you can flag the transaction and we check the earn against the card's published terms. This follows your synced cards: 1 on Free, 5 on Plus, unlimited on Pro.

The Redemption Guide is where you search trips and browse sweet spots against your live balances. It is free and unlimited - search as many destinations as you want, no quota, no save. A Trip Plan is what you get when you save one of those searches: rename it, export a PDF, share with a travel partner. Saving is what counts against your monthly quota. Free gives you 1 saved Trip Plan per month, Plus gives you 3, Pro is unlimited.

We track 130+ cents-per-point benchmarks across airlines, hotels, and transferable points programs. We keep current ratios on 115+ transfer partnerships, so when Chase adds a new partner or Amex runs a 40% bonus, you see it. The redemption guide highlights the sweet spots worth using points on, not the ones that cash out at one cent per point. This is included on every plan because point values are the foundation of everything else.

You enter your point balances yourself. We never log into your airline or hotel accounts. Once your balances are in, you see what your portfolio is worth today, how many points you've earned over time, every redemption you've logged, and your total lifetime redeemed value. Every plan gets unlimited redemption history. Plus and Pro add a portfolio value chart, a combined score that treats points earned and points used as one story, and a community ranking so you can see where you stack up.

Welcome offers change all the time. A card might sit at 60K points for a year and then jump to 90K for two weeks. If you were thinking about that card, you want to know when that window opens. Plus and Pro get alerts the moment a tracked offer goes elevated, plus an "all-time high" badge when a bonus hits its historical ceiling. Free users see the current offer on every card, just without the change notifications.

Every card you own has an annual fee that hits on a specific date. Some of those fees are worth paying. Some aren't. Plus and Pro see a calendar of every upcoming fee, along with our call on whether each fee still earns its keep for you - based on the credits you've actually used and the benefits you've redeemed - including the no-fee downgrade path when it doesn't. Free users see every card's fees and credits, plus the keep-or-cancel verdict on their one synced card; Plus and Pro run that verdict across all their synced cards.

Most application denials have nothing to do with your credit score. They come from issuer policy. Pro tracks 20+ issuer eligibility rules across major issuers, reads them against your existing portfolio, and tells you whether an application would be approved today. If you'd be denied, we say so before you spend the credit pull finding out.

If you run a business, its cards, transactions, and fees belong in a different set of books than your personal cards. If you run more than one business, each keeps its own. Pro lets you create business groups (one per business) and assign each business card to a group. Transactions and the fee calendar filter by business, so you can run a clean P&L picture for each one. Issuer rules are honored as the issuer writes them: we don't pretend forming a new business resets them. Full pitch at /business.

If you and a partner both work on rewards, planning your portfolios together beats planning them apart. Household mode pulls both card lineups into one view so you can see who has what and coordinate offers. It is a Pro feature: as a Pro member you can add one other person to your household at no extra charge, and they keep their own plan and tier of service. Additional members join on their own Pro, up to five people total.