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A real look before you share anything.
- Full Programs library
- All five sample demos
- Start building a wallet
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Honest rewards guidance
Your points are worth something. Find out what — honestly.
Value your cards and miles at conservative floor rates. Then see exactly which card to use—without inflated “up to” math.
✓No bank connection required
✓Conservative floor values
✓One complete insight free
✓No affiliate steering
Browse Programs and the demos without an account. Sign up free to save a wallet and see your first real recommendation.
Sample wallet · build yours in 2 min
Card duelSame purchase. Floor-value math.
Groceries this week$180
Amex Gold4× Membership Rewards
$7.20est. floor value
Flat 2% card2% cash back
$3.60cash back
Use Amex Gold here.About $3.60 more estimated rewards value on the same $180—at a 1¢ floor, not a fantasy redemption.
94cards with sourced earn rules
38airline and hotel programs
Floorthe conservative end, shown first
0affiliate dollars in the ranking
The access model, plainly
Start free. Pay only when the whole map helps.
No blurred answers and no surprise wall after you enter data. Programs and sample demos need no account. A free account saves your wallet and gives one fully actionable recommendation. Beta and Pro unlock the complete system.
Your first answer
$0 · no payment card required
- Saved balances + estimated value
- Monthly spending totals
- One complete card recommendation
- 3 answered AI conversations / UTC month
The whole compass
Beta comped · Pro $5/month · annual about $50
- Every spend category answered
- Unlimited AI
- Full Points Strategy
- Leak reports + devaluation alerts*
* Monthly Leak Reports and devaluation alerts are fast-follow features, shown here as the ongoing-service direction—not claimed as available today.
The free proof point
One full answer. Not a teaser.
The free insight names the card, category, why, cap, valuation basis, and date. Paid access does not reveal the missing half of this answer; it gives the same complete treatment to every other category.
Your free insight · completeSample wallet
Use your Amex Gold for all groceries.
4× MR × 1.0¢ floor = 4.0¢ estimated value per $1
That beats this wallet’s Freedom Unlimited at 1.5×. At $600/month in eligible U.S. supermarket spend, the estimated incremental rewards value is about $15/month.
CardAmex Gold
CategoryU.S. supermarkets
Eligible cap$25,000/year, then 1×
Valuation1.0¢ floor · Jul 2026
Dining · recommendation readyBeta / Pro
Travel · recommendation readyBeta / Pro
Gas & EV charging · recommendation readyBeta / Pro
Sample wallet · the rest of the story
Value today. Watch what changes tomorrow.
The homepage demonstrates both halves of the product: a conservative picture of the wallet now, and an ongoing service that notices when the rules move.
Wallet reveal
Amex GoldMembership Rewards
Sapphire PreferredUltimate Rewards
Freedom UnlimitedUltimate Rewards
World of HyattHyatt points
$1,284conservative estimated floor value · sample balances
Devaluation tremor
Sample airline balance80,000 miles
Estimated floor value$960
Program value changedYour estimated floor value moved to $880. See the source, effective date, and whether there’s a useful action.
Coming to Beta + Pro Alerts never invent urgency when there is no useful action.
Ask it anything
Ask like a person. Get the math.
Three answered conversations each UTC month are included with a free account. Beta and Pro remove the product quota.
Sample wallet · answer grounded in saved data
Lisbon in March—points or cash?
Start with cash for this fare.
At $640 round-trip, your 48,000 Chase points would need to return more than 1.33¢ each to beat cash.
$640 ÷ 48,000 = 1.33¢/point
Your conservative Chase floor is 1.0¢. Check the exact award price before transferring; transfers do not reverse.
Your conservative Chase floor is 1.0¢. Check the exact award price before transferring; transfers do not reverse.
Uses sample wallet + conservative floor · math shown · not financial advice
Help shape the compass
Beta is a seat at the table—not a discount.
Accepted testers get the complete Pro experience comped during beta in exchange for candid feedback. When beta ends, you get a clear choice. There is no automatic charge.
Requests are reviewed by Jeremy. No fake countdown, no fabricated seat count.
Questions, without the fine-print voice
What happens before you sign up?
Do I need an account?
Not to browse Programs or use these sample demos. You can also begin onboarding without one. A free account is required to save the wallet and receive personalized insights; an anonymous wallet does not persist.
Do I have to connect a bank?
No. Manual entry is a first-class path. If you choose Plaid later, your bank login goes to Plaid and is not seen by Points & Prompts.
Is the free recommendation incomplete?
No. It names the card, category, cap, valuation basis, and why. Beta or Pro applies that same complete analysis to every category and adds Strategy, unlimited AI, reports, and alerts.
Why use floor values?
A floor is the conservative end of what a point can reasonably return—not the most exciting redemption anyone has ever found. It keeps comparisons honest when cash back and different point currencies share one screen.
Will you tell me when Pro is not worth it?
Yes. When conservative estimated incremental rewards value does not clear the subscription price, the product should say not to subscribe. No affiliate payout is allowed to alter a recommendation.