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 our smart alerts: if you've told us you want a nudge before a credit expires or before a fee posts while you still have time to downgrade, we only bother you about the ones where 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.

An optimization report takes your actual spending for the last three months and asks a simple question. If you put every dollar on the best card you already own, how many more points would you earn per year? We also tell you which new card would close the biggest gap, and we show you the first-year value after fees and welcome bonus. Free gives you one report per month. Plus gives you three. Pro is unlimited, which matters when your spending shifts or a new card gets announced and you want to see how it fits.

We track 120 cents-per-point benchmarks across airlines, hotels, and transferable points programs. We keep current ratios on 118 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, and every redemption you've logged. Every plan gets unlimited redemption history. Plus and Pro add a portfolio value chart, your total lifetime redeemed value, 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 for each card: keep, downgrade, or cancel. That call is based on the credits you've actually used, the benefits you've redeemed, and whether there's a no-fee downgrade path. Free users see their cards and fees but not the recommendations.

If you're planning your next card, the biggest reason an application gets denied has nothing to do with your credit score. It's an issuer rule. Some banks limit how many cards you've opened in the last 24 months. Some won't approve a second card in their lineup within a certain window. Some have velocity caps. We track 20+ of these rules, look at your current cards, and tell you whether a card you're considering will likely get approved, or whether you need to wait.

If you and a partner are both working the rewards game, it doesn't make sense to plan your strategies separately. Household mode pulls both card lineups into one view so you can see who has what, plan who opens the next card, coordinate who's up for the next welcome offer, and figure out which cards each of you should be working toward.