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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
| Reading | Month | 1 year | 5 years |
|---|---|---|---|
ConservativeiCurrent baseline value. | $16.18 | $194 | $971 |
AverageiAwardWallet member-booking average. | $53.94 | $647 | $3,236 |
HighestiHighest 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
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.
Your first answer
$0. No payment card required.
- Saved wallet values
- One complete card recommendation
- Manual spending entry
Every category
$5/month or $48/year, save 20%.
- Every category answered
- Full Points Strategy
- Reports and alerts as they launch
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.
See a balance three ways.
Keep existing points separate from projections, and show when a currency has no distinct higher modeled reading.
See WalletTest whether the recommendation holds.
Show Month, 1 year, and 5 years for the approved sample only if that spend held.
See Points StrategySample 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
i
Current baseline value.i
AwardWallet member-booking average.i
Highest modeled current transfer-partner average.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
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.
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.
- Denver to San Francisco: points or cash?
- Hyatt transfer bonus
- 4× vs 2× on groceries
- Denver to London award
- 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?
First, turn the award into cents per point. Then compare that rate with three sample ways to value the credit card points.
Visible mathCash price ÷ points
Cash price$640
Points price48,000
Break-even: $640 ÷ 48,0001.33¢ per point
$480Conservative · 1.00¢
$720Average · 1.50¢
$960Highest · 2.00¢
1.33¢ per point is the break-even line.Value the credit card points below 1.33¢ and the 48,000-point award costs less than $640 cash. Value them above 1.33¢ and paying cash preserves more modeled value.
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.
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A Chrome extension that recommends the best card on the store you’re shopping. No login. No page-scraping.
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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.
Your points strategy, ranked by value and timing
Points strategy: earn the right points, then redeem above their Average value
Points & Prompts turns every card multiplier into a single number — cents back per dollar — by multiplying the earn rate by the verified value of the point it earns. A 3× card earning a 2.39¢ point returns 7.17¢ per dollar; a 2× card on a 1¢ point returns 2¢. The multiplier alone tells you almost nothing.
Earn
For every dollar you spend, the best card is the one with the highest cents-back — across a 21-card by 7-category matrix (dining, groceries, travel, gas, and more). The winner is rarely the flashiest sign-up bonus.
Use
Redeem points above their Average value and hold them below it. Transferable bank points are worth the most when moved to the right airline or hotel partner for a specific, already-priced award — never to "top up" a balance. A transfer is one-way and can halve a balance sent to the wrong program.
Activate
Card credits, transfer bonuses, and elite benefits only count if you actually use them. The highest-value transferable points today:
- Aer Lingus AerClub — 3.73¢ per point (Airline)
- Virgin Atlantic Flying Club — 3.47¢ per point (Airline)
- Lufthansa Miles&More — 3.20¢ per point (Airline)
- Iberia Avios — 2.86¢ per point (Airline)
- Korean Air SkyPass — 2.86¢ per point (Airline)
- Cathay — 2.82¢ per point (Airline)
- Avianca LifeMiles — 2.81¢ per point (Airline)
- American AAdvantage — 2.56¢ per point (Airline)
Every number traces to a published issuer earn structure or a verified Average-redemption value (verified August 13, 2026). Ask is on this site. Signed-out visitors get Instant Read (computed, not a model). Signed-in Ask uses the verified dataset. AI-generated answers are not financial advice.
Reference library
Sources, dates, and changes behind the numbers
Check the source and verification date for each dataset. Browse loyalty-program changes or open the public data library.
Methodology & Data
Point-value sources, Conservative / Average / Highest definitions, and update dates.
Read the methodology
Updates
Dated changes to programs, transfer partners, and valuations, with source links when available.
See recent updates
Elite Status
Tier requirements and benefits from each airline or hotel program's published pages.
Explore elite status
Program name map
Names used by this site, AwardWallet, and issuer transfer lists. Download CSV or JSON, or connect the data to Google Sheets or Excel.
Open the name map
You can read these pages without an account. Data verified August 13, 2026.
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.
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
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
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.
No bank login required. Tell us what you hold. · How we source numbers
Save your setup
No password — we email you a magic link, or continue with Google. We remember your cards and points across devices.
We store only which cards & programs you have and your balances — never card numbers.
Delete your account?
This permanently deletes your account, wallet, and every chat. This can't be undone — your profile, saved cards/points, and full chat history are all removed for good.
This calls a reviewed, server-side delete — nothing client-side can bypass it or act on any account but your own.
Go deeper in your own AI
"Your own AI" means the ChatGPT, Claude, or Gemini you already use elsewhere — a full, ongoing conversation. Reach for it when you want to dig deeper than a quick answer, or you'd rather keep working in the assistant you already have open.
Copy the prompt below and paste it in — it already includes your wallet, your question, what Points & Prompts already told you, and a Source line pointing back to pointsandprompts.com so your AI can double-check the numbers instead of guessing.
Your balances are included only if you've added them. Nothing leaves your device until you tap. The prompt cites pointsandprompts.com so your AI can check our numbers.