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Poiiints

Find the cards worth the most to you.

Poiiints is a credit card optimizer. It compares cards against how you spend and what you value, then builds the combination worth the most to you.

Find my best cards Download on the App Store

Use your real spending or your own estimates. No bank connection required.

Chase Sapphire Reserve cardBilt Palladium card
The Poiiints app showing a recommended three-card stack worth $9,173 a year in first-year value

Example recommendation. Your result depends on your spending and choices.

Your best cards depend on how you spend.

A credit card rewards calculator that runs our full engine. Enter a typical month and your preferences. Poiiints compares millions of combinations and shows the stack worth the most for that spending.

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/mo
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YOUR PREFERENCES
How many cards in the stack
Value the stack over
See my real recommendation

Best stack for this spending: $10,510 a year, first-year value · net of annual fees. Chase Sapphire Reserve, $1,755 a year; The Platinum Card from American Express, $2,219 a year; Bilt Palladium Card, $2,611 a year.

Best stack for this spending3-card stack

Includes $7,384 in credits we're assuming you'll use.

Earnings
$1,386
Credits, if you use them all
$7,384 · $7,384 assumed
Annual fees
$2,185
Welcome bonuses
$3,925

Counts statement credits at full value and values each card's points at its best redemption. In the app, you choose which credits you'll use and how you redeem each card's points.

One wallet. Three ways to make it better.

Start from scratch, compare cards you're already considering, or build on the cards you have.

BUILD

Build my best stack

See the best setup from any card on the market.

The Poiiints mode selector: Build my best stack, Value cards I'm considering, Add to the cards I have
COMPARE

Value cards I'm considering

Compare credit cards you're considering and see what they're worth to you.

$3,957/yrworth to you · example
Three cards compared: worth $3,957 a year to you in first-year value, net of annual fees
ADD

Add to the cards I have

Keep your wallet and find the best additions.

+$7,421/yrover the current wallet · example
A wallet with 2 cards added, worth $7,882 a year, $7,421 more than the current wallet
PERSONALIZED VALUE

Only count benefits you'll actually use.

A card isn't worth its advertised value if you won't use half its statement credits. Tell Poiiints how you redeem your points and which credits you'll really use. It recalculates what each card is worth to you.

  • Choose how you redeem points.Transfer partners or travel, the travel portal, or cash back. Each sets its own value per point.
  • Choose which credits count.Leave out the ones you'd never use.
  • Watch the value update.Each card's worth recalculates as you choose.
Chase Sapphire Reserve valued at $1,721 a year, with point-redemption choices and a list of credits to include
BUILT AROUND YOU

Built around your spending and your rules.

Poiiints doesn't rank cards for an average person. You set the rules, and it builds within them.

  • How many cards, up to 3
  • Value over the first year or every year after
  • Based on past spending or your budget
  • Only cards from the issuers you choose
  • An annual fee limit
  • Your recent card applications, so issuer rules like Chase's 5/24 are taken into account
The Before we calculate screen: cards in the stack, value over the first year or every year after, past spending or budget, issuers, annual fee limit and recent applications
EVERY PURCHASE

See when another card could've earned more.

With a connected account, Poiiints reviews each purchase. It compares the card you used with the best card in your wallet and the best on the market.

EXAMPLE PURCHASE7-Eleven · $38.79
Card used+$0.78
Best on market+$3.15 estimated
A 7-Eleven purchase expanded: card used earned $0.78, the best card on the market would have earned an estimated $3.15

How it works

  1. 01Tell us how you spend.Connect your accounts through Plaid, or enter your own estimates.
  2. 02Set what matters to you.Choose card count, issuers and fee limit, then how you redeem points and which credits you'll use.
  3. 03See your best setup.Get the combination worth the most to you, card by card.
Connect my accountsMost accurate. Poiiints reads your transactions through Plaid and never sees your bank login.
Use spending estimatesEnter your monthly spending and get a recommendation without linking a bank.
Find my best cards

Your data, handled carefully.

Your bank login stays with Plaid.Poiiints never sees or stores it.
Read-only.Poiiints can read transactions. It can't move money.
No passwords.You sign in with one-time email codes.
Delete anytime.Request deletion of your data whenever you want. How
Independent.Poiiints isn't paid by any card issuer, so commissions don't shape recommendations.

Questions

What is a credit card optimizer?

A tool that works out which credit cards are worth the most for how you spend. Poiiints compares cards, and combinations of cards, against your spending and the benefits you'll actually use.

What is a credit card stack?

A small set of cards used together, each covering the spending it earns the most on. Poiiints builds the stack worth the most to you, up to three cards.

Is Poiiints free?

Yes. Poiiints is free to download and use.

Do I have to connect my bank?

No. You can enter spending estimates instead. Connecting gives the most accurate result.

How does Poiiints decide what a card is worth?

It adds what the card would earn on your spending, the credits you say you'll use, and its welcome bonus in the first year. Then it subtracts the annual fee. Points are valued by how you say you'll redeem them. See how Poiiints values cards.

Does using Poiiints affect my credit score?

No. Poiiints doesn't apply for cards or check your credit.

Which cards does Poiiints include?

156 US credit cards from 17 issuers. The catalog is updated as issuers change their offers.

Is Poiiints paid by card issuers?

No. Poiiints has no affiliate or issuer relationships today. If that changes, it will be disclosed here and next to any affected link.

Is my data safe?

Your bank login stays with Plaid, access is read-only, and you can delete your data anytime. See the Security page for details.

Your cards should work as a system.

Find the combination worth the most to you.

Find my best cards Download on the App Store

Use your real spending or your own estimates. No bank connection required.