Connect your bank
Sign in inside Plaid's window. Points & Prompts never receives your bank credentials.
Your spending, matched to your cards
Connect your bank. We find the best card for every dollar you spend.
We group recent spending into monthly categories, then show which card in your wallet earns the most for each one. Every recommendation includes the math.
✓Plaid handles your bank login
✓Only monthly category totals are stored
✓Manual entry always available
Build your wallet in under 5 minutes. Browse Programs and sample demos without an account.
Automated spend preview
Secure connection
Bring in recent spending
Plaid opens your bank sign-in. Points & Prompts never sees your login. Recent transactions are categorized in memory, then discarded.
Automatic import arrives with your beta. Start manual for now.
Automatic import is available. Connect once to fill your monthly categories.
Stored: nine monthly category totals. Never stored: bank login or individual transactions.
94cards with sourced earn rules
38airline and hotel programs
Floorthe conservative end, shown first
0affiliate dollars in the ranking
How automated spend works
Connect once. See what to use each month.
Automation removes the spreadsheet work. The recommendation still comes from sourced card rules and the same conservative valuation method you can inspect in the product.
Categorize spending
Recent transactions become nine monthly category totals. Individual transactions are not stored.
Match your best card
Each category is compared against the cards you hold, with earn rate, cap, and valuation shown.
Prefer not to connect?
Start manualEnter monthly totals yourself. Manual entry uses the same categories and recommendations.
Privacy behavior and nine-category model match the current product implementation in assets/plaid.js.
The access model, plainly
Start free. Pay when the full analysis 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 apply the analysis to every category.
Explore
A real look before you share anything.
- Full Programs library
- All five sample demos
- Start building a wallet
- Sign up only when you save
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
Every category
$5/month or $48/year, save 20%
- Every spend category answered
- Unlimited AI
- Full Points Strategy
- Leak Reports and Value Drop Alerts*
* Monthly Leak Reports and Value Drop Alerts are fast-follow features shown here for design direction. They are 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 × 0.6¢ floor = 2.4¢ 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 difference is $5.40/month at product floor values.
CardAmex Gold
CategoryU.S. supermarkets
Eligible cap$25,000/year, then 1×
Valuation0.6¢ floor · Jul 2026
Dining · recommendation readyBeta / Pro
Travel · recommendation readyBeta / Pro
Gas & EV charging · recommendation readyBeta / Pro
Product-sourced demos
See today's value. Know when it changes.
Every earn rate, floor value, transfer ratio, and change shown below comes from current product data. Example questions and balances are labeled as examples.
Wallet valuation
Current PP_DATA + FLOORKnow the conservative value first.
Amex Membership RewardsTypical value 2.00¢
0.60¢ floor
Chase Ultimate RewardsTypical value 2.01¢
1.00¢ floor
United MileagePlusTypical value 2.01¢
1.30¢ floor
World of HyattTypical value 2.19¢
1.50¢ floor
Rates shown exactly as assets/data.js at product revision 03def88.
Value Drop Alerts
Chase to World of Hyatt
Before1:1
1,000 Chase = 1,000 Hyatt
After4:3
1,000 Chase = 750 Hyatt
Effective October 1, 2026Sapphire Preferred and Ink Business Preferred drop to 4:3. Sapphire Reserve keeps 1:1. Bilt still transfers to Hyatt at 1:1.
What changed•Who is affected•Source link•Useful next step
Coming to Beta + Pro Plain alerts with the effective date and source. No invented urgency.
Ask P&P
Ask like a person and always get the receipts.
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
25 founding beta seats
Help test the complete product.
Accepted testers get the first year of Pro free in exchange for candid feedback. When that year ends, you get a clear choice. There is no automatic charge.
Checking live availability…
The open-seat number comes from the beta availability source. This concept never hardcodes it.
Questions, without the fine-print voice
What happens before you sign up?
Do I need an account?
Not to browse Programs, use the sample demos, or start a local wallet. A free account lets you sync that wallet and receive personalized insights.
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.