Your wallet, translated

Know what your points could be worth.

One spend. Three readings.

No payment card requiredManual wallet setup availableMath and sources shown

Sample household spend · 30% above 2024 U.S.

Groceries · $674/month

About 2,697 points/month at 4 points per $1.

Estimated rewards value

Same spend · same verified snapshot · three readings

ReadingMonth1 year5 years
Conservative
iCurrent baseline value.
$16.18$194$971
Average
iAwardWallet member-booking average.
$53.94$647$3,236
Highest
iHighest modeled current transfer-partner average.
$100.60$1,207$6,036

Illustrative sample · if this spend held · before annual fees · not a guarantee.

Verified snapshot · Aug 13, 2026.

Conservative = current baseline · Average = AwardWallet member-booking average · Highest = highest modeled current transfer-partner average.

Automatic spending

Bring in recent spending

Plaid opens your bank sign-in. Points & Prompts never sees your login.

Automatic import arrives with the beta. Manual entry works today.
Coming with betaDemo
Build your wallet
94cards with sourced rules
46rewards currencies
Three readingsone verified snapshot
$0affiliate influence
Plans and access

Start free. Upgrade for the full analysis.

Free includes one complete card recommendation. Beta and Pro include recommendations for the rest of your spending categories.

Explore

No account

A real look before you share anything.

  • Programs library
  • Full product demo
  • Start wallet setup
Open demo
Free account

Your first answer

$0. No payment card required.

  • Saved wallet values
  • One complete card recommendation
  • Manual spending entry
Build free wallet
Beta or Pro

Every category

$5/month or $48/year, save 20%.

  • Every category answered
  • Full Points Strategy
  • Reports and alerts as they launch
Compare paths
One story, three surfaces

The same readings follow you into Wallet and Points Strategy.

Wallet applies Conservative, Average, and Highest to balances. Points Strategy tests a card choice across the same three readings before naming a leader.

Wallet

See a balance three ways.

Keep existing points separate from projections, and show when a currency has no distinct higher modeled reading.

See Wallet
Points Strategy

Test whether the recommendation holds.

Show Month, 1 year, and 5 years for the approved sample only if that spend held.

See Points Strategy
Sample wallet demos

Three value readings, a program change, and Instant Read with its math.

Real examples: what one transferable balance could be worth, a transfer rate about to change, and five sample questions with the arithmetic shown.

Sample transferable balance · 115,000 points

Your points, translated

One balance · three modeled dollar readings

Conservative
iCurrent baseline value.
0.60¢ per point$690 modeled value
Average
iAwardWallet member-booking average.
2.00¢ per point$2,300 modeled value
Highest
iHighest modeled current transfer-partner average.
3.73¢ per point$4,290 modeled value

Sample only · values are modeled, not cash balances or guaranteed outcomes.

Verified snapshot · Aug 13, 2026.

Conservative = current baseline · Average = AwardWallet member-booking average · Highest = highest modeled current transfer-partner average.

Program-change demo

Chase to World of Hyatt

Before1:1
1,000 Chase → 1,000 Hyatt
After4:3
750 Hyatt points
Effective October 1, 2026
Sapphire Preferred and Ink Business Preferred change to 4:3. Sapphire Reserve keeps 1:1. Bilt remains 1:1. Source and next step included.

Coming to Beta + Pro. No invented urgency.

Ask P&P AI demo

Ask a question. Watch the numbers make the call.

Pick a common points decision, then see the sample inputs, arithmetic, and answer. Switch questions whenever you want.

  1. Denver to San Francisco: points or cash?
  2. Hyatt transfer bonus
  3. 4× vs 2× on groceries
  4. Denver to London award
  5. Chicago hotel: points or cash?

Pick a question

Points vs cashSample snapshot · Aug 14, 2026

Should I use 48,000 credit card points or pay $640 for Denver to San Francisco round trip?

A value check for this specific flight.

Denver to San Francisco is $640 cash round trip or 48,000 credit card points. Which way should I book?

Demo scenarios only · sample arithmetic, not live availability, advice, or a guaranteed outcome

We need your help

Build free now. Help shape Pro in the founding beta.

Twenty-five accepted testers receive the first year of Pro free in exchange for candid feedback. When the year ends, there is a clear choice and no automatic charge.

Your wallet takes under 5 minutes.

Start with cards and balances, then add monthly spending manually. Automatic import arrives with the beta. Manual entry works today.

Build free wallet

Best Card for Chrome

A Chrome extension that recommends the best card on the store you’re shopping. No login. No page-scraping.

Add to Chrome →
Program library

Every program we track, in one place.

Cards, airlines, and hotels — what each program is, how it’s structured, and how they connect. ✓ verified August 13, 2026

Swipe for more →

Your wallet

Add what you have — a guess is fine. Everything stays in your browser until you choose to save.

Data & Resources

Elite status

Elite status perks across every major airline and hotel program we track — what each tier actually requires, and what you get once you're there.

Verified as of: August 13, 2026

Pulled straight from each program's own pages — but these programs change their rules often, so it's worth confirming the details before you commit to a tier.
Data & Resources

Recent Points & Programs Updates

Program rate changes, transfer-partner additions and removals, and valuation shifts — tracked as they happen, with a source link where we have one.

Verified as of: August 13, 2026

Data & Resources

How we verify our numbers

AwardWallet supplies Average point values. Issuer and program pages supply transfer ratios, card facts, and status rules.

Verified as of: August 13, 2026

Data & Resources

Program name map

Every airline and hotel program this site tracks, in one table: our name for it, our internal slug, the name AwardWallet uses for the same program in its valuation data, what each transfer currency calls it on its own transfer page, and the search terms this site’s wallet search treats as synonyms for it. It exists because different sources name the same program differently, and reconciling that by hand is tedious and error-prone.

Generated 2026-08-15, from data verified August 13, 2026. Regenerated on every deploy from the live data — this is not a copy anyone maintains by hand. Machine-readable version: name-map.json.

Something here is wrong? A wrong name in this table means someone’s own math is wrong. Report a correction by email — no account needed.

38 of 38 programs shown

ProgramSlugTypeAwardWallet keyAverage ¢/ptConservative ¢/ptTransfer-list namesSearch aliases
United MileagePlusunitedairlineUnited Airlines (Mileage Plus)2.04¢1.30¢Chase Ultimate Rewards: United MileagePlus
Bilt Rewards: United MileagePlus
mileage plus
Air Canada AeroplanaeroplanairlineAir Canada (Aeroplan)1.86¢1.40¢American Express Membership Rewards: Air Canada Aeroplan
Chase Ultimate Rewards: Air Canada Aeroplan
Capital One Miles: Air Canada Aeroplan
Bilt Rewards: Air Canada Aeroplan
aero plan
Avianca LifeMilesaviancaairlineAvianca (LifeMiles)2.81¢1.30¢American Express Membership Rewards: Avianca LifeMiles
Citi ThankYou Points: Avianca LifeMiles
Capital One Miles: Avianca LifeMiles
Bilt Rewards: Avianca LifeMiles
Wells Fargo Rewards: Avianca LifeMiles
Turkish Miles&SmilesturkishairlineCiti ThankYou Points: Turkish Miles&Smiles
Capital One Miles: Turkish Miles&Smiles
Bilt Rewards: Turkish Miles&Smiles
ANA Mileage ClubanaairlineAmerican Express Membership Rewards: ANAall nippon airways
Singapore KrisFlyersingaporeairlineSingapore Airlines (KrisFlyer)2.50¢1.10¢American Express Membership Rewards: Singapore KrisFlyer
Chase Ultimate Rewards: Singapore KrisFlyer
Citi ThankYou Points: Singapore KrisFlyer
Capital One Miles: Singapore KrisFlyer
EVA Air InfinityevaairlineCiti ThankYou Points: EVA Air
Capital One Miles: EVA Air
American AAdvantageamericanairlineAmerican Airlines (AAdvantage)2.56¢1.40¢Citi ThankYou Points: American AAdvantageamerican airlines
British Airways AviosbritishairwaysairlineBritish Airways (Club)2.55¢1.10¢American Express Membership Rewards: British Airways Avios
Chase Ultimate Rewards: British Airways Avios
Capital One Miles: British Airways Avios
Bilt Rewards: British Airways Avios
Wells Fargo Rewards: British Airways Avios
ba
Iberia AviosiberiaairlineIberia Plus2.86¢1.00¢American Express Membership Rewards: Iberia Avios
Chase Ultimate Rewards: Iberia Avios
Bilt Rewards: Iberia Avios
Wells Fargo Rewards: Iberia Avios
Qatar AviosqatarairlineAmerican Express Membership Rewards: Qatar Avios
Citi ThankYou Points: Qatar Avios
Capital One Miles: Qatar Avios
Bilt Rewards: Qatar Avios
CathaycathayairlineCathay Pacific (Cathay)2.82¢1.10¢American Express Membership Rewards: Cathay
Citi ThankYou Points: Cathay
Capital One Miles: Cathay
Bilt Rewards: Cathay
Wells Fargo Rewards: Cathay
asia miles, cathay pacific
Alaska / Atmos RewardsalaskaairlineAlaska Airlines (Atmos Rewards)2.32¢1.50¢Bilt Rewards: Alaska / Atmosmileage plan
QantasqantasairlineAmerican Express Membership Rewards: Qantas
Citi ThankYou Points: Qantas
Capital One Miles: Qantas
Finnair AviosfinnairairlineCapital One Miles: Finnair Avios
Delta SkyMilesdeltaairlineDelta Air Lines (SkyMiles)1.35¢1.10¢American Express Membership Rewards: Delta SkyMilessky miles
Air France–KLM Flying BlueflyingblueairlineKLM / Air France (Flying Blue)2.17¢1.30¢American Express Membership Rewards: Air France–KLM Flying Blue
Chase Ultimate Rewards: Air France–KLM Flying Blue
Citi ThankYou Points: Air France–KLM Flying Blue
Capital One Miles: Air France–KLM Flying Blue
Bilt Rewards: Air France–KLM Flying Blue
Wells Fargo Rewards: Air France–KLM Flying Blue
af, airfrance, flyingblue, royal dutch airlines
Virgin Atlantic Flying ClubvirginatlanticairlineVirgin Atlantic (Flying Club)3.47¢1.50¢American Express Membership Rewards: Virgin Atlantic
Chase Ultimate Rewards: Virgin Atlantic
Citi ThankYou Points: Virgin Atlantic
Bilt Rewards: Virgin Atlantic
Wells Fargo Rewards: Virgin Atlantic
vs
JetBlue TrueBluejetblueairlineJetBlue Airways (TrueBlue)1.24¢1.24¢American Express Membership Rewards: JetBlue
Chase Ultimate Rewards: JetBlue
Citi ThankYou Points: JetBlue
Capital One Miles: JetBlue
Wells Fargo Rewards: JetBlue
b6, jet blue
Southwest Rapid RewardssouthwestairlineSouthwest Airlines (Rapid Rewards)1.52¢1.30¢Chase Ultimate Rewards: Southwest
Bilt Rewards: Southwest
Emirates SkywardsemiratesairlineEmirates (Skywards & Business Rewards)1.55¢0.80¢American Express Membership Rewards: Emirates
Citi ThankYou Points: Emirates
Capital One Miles: Emirates
Bilt Rewards: Emirates
Etihad GuestetihadairlineCiti ThankYou Points: Etihad
Capital One Miles: Etihad
Bilt Rewards: Etihad
TAP Air Portugal Miles&GoairlineTAP Air Portugal (Miles&Go)1.00¢0.90¢Capital One Miles: TAP Air Portugal
Bilt Rewards: TAP Air Portugal
Japan Airlines Mileage BankairlineJapan Airlines (Mileage Bank)1.20¢0.80¢Capital One Miles: Japan Airlines
Bilt Rewards: Japan Airlines
Aeromexico RewardsairlineAeromexico (Rewards)0.75¢0.50¢Capital One Miles: Aeroméxico
World of HyatthyatthotelHyatt (World of Hyatt)2.19¢1.50¢Chase Ultimate Rewards: World of Hyatt
Bilt Rewards: World of Hyatt
woh
Hilton HonorshiltonhotelHilton (Honors)0.62¢0.35¢American Express Membership Rewards: Hilton Honors
Bilt Rewards: Hilton Honors
hh
Marriott BonvoymarriotthotelMarriott (Bonvoy)0.93¢0.77¢American Express Membership Rewards: Marriott Bonvoy
Chase Ultimate Rewards: Marriott Bonvoy
Bilt Rewards: Marriott Bonvoy
IHG One RewardsihghotelIHG Hotels & Resorts (One Rewards)0.69¢0.59¢Chase Ultimate Rewards: IHG One Rewards
Bilt Rewards: IHG One Rewards
holiday inn, intercontinental
Choice PrivilegeschoicehotelChoice Hotels (Choice Privileges)1.22¢0.75¢Citi ThankYou Points: Choice Privileges
Capital One Miles: Choice Privileges
Wells Fargo Rewards: Choice Privileges
choice hotels
Wyndham RewardswyndhamhotelWyndham Rewards1.40¢0.67¢Chase Ultimate Rewards: Wyndham Rewards
Citi ThankYou Points: Wyndham Rewards
Capital One Miles: Wyndham Rewards
Bilt Rewards: Wyndham Rewards
Wells Fargo Rewards: Wyndham Rewards
Accor Live LimitlessaccorhotelCiti ThankYou Points: Accor
Capital One Miles: Accor
Bilt Rewards: Accor
Aer Lingus AerClubaerlingusairlineAer Lingus (AerClub)3.73¢1.00¢American Express Membership Rewards: Aer Lingus
Chase Ultimate Rewards: Aer Lingus
Bilt Rewards: Aer Lingus
Wells Fargo Rewards: Aer Lingus
Korean Air SkyPasskoreanairlineKorean Air (SkyPass)2.86¢1.30¢
Lufthansa Miles&MorelufthansaairlineLufthansa (Miles and More)3.20¢1.30¢miles and more
Costco Cash Backcostcocashback
Best Western RewardshotelBest Western (Rewards)0.60¢0.50¢
Frontier MilesairlineFrontier Airlines (Miles)1.30¢1.00¢

Use this in your own spreadsheet

We build this table by reading data other programs, alliances and blogs publish. This part of ours is available the same way — a CSV and a JSON file meant to be pulled into your own sheet or script, not just read on this page.

The CSV is flat: one row per program, nothing nested. The two multi-value columns (transfer-list names, search aliases) are joined with | — split a cell on that exact string if you need the individual values back out.

Google Sheets

Paste this formula into any cell. IMPORTDATA fetches the CSV directly and re-fetches it on its own schedule, so the sheet picks up corrections made here without anyone re-downloading anything. The refresh runs on Google’s interval, not instantly — if a correction here doesn’t show up right away in the sheet, that’s the normal refresh lag, not a broken link.

=IMPORTDATA("https://pointsandprompts.com/name-map.csv")

Excel

DataGet DataFrom Other SourcesFrom Web, then paste the same URL below. That creates a refreshable Power Query connection — Refresh All picks up corrections the same way IMPORTDATA does. If you just want the file once, download it directly instead of connecting to it.

https://pointsandprompts.com/name-map.csv

Scripts and anything else

The JSON file carries the same data, nested by program instead of flattened into rows, if that suits your tool better than the CSV:

https://pointsandprompts.com/name-map.json
fetch("https://pointsandprompts.com/name-map.json")
  .then(function (r) { return r.json(); })
  .then(function (data) { console.log(data.programCount, "programs"); });

Direct downloads, for a one-time copy rather than a live pull: name-map.csv, name-map.json.

Your chats

Every conversation you've had with Ask P&P AI.

Your profile

Manage your name, home airport, and account.

Choose a new password

This link works for one hour. If it's expired, request a new one from the sign-in menu.