Credit cards · Points · Verified values

Know what your points are actually worth.

Points & Prompts values every balance you hold at verified typical-redemption rates, shows you the best card for every purchase in true ¢ per $1, and answers questions with an AI grounded in your wallet — not the banks’ marketing math.

Build your wallet — it’s free See how it works

✓ Every number traces to an issuer source ✓ No bank login, ever ✓ Values verified July 13, 2026

pointsandprompts.com/strategy

Card	Base ¢/pt	Dining	Groceries	Gas	Travel
AXAmerican Express GoldWallet	2.00¢	8.00¢	8.00¢	2.00¢	10.00¢
CHChase Sapphire ReserveWallet	2.01¢	6.03¢	2.01¢	2.01¢	16.08¢
C1Capital One Venture XWallet	2.04¢	4.08¢	4.08¢	4.08¢	20.40¢
CICiti Strata Premier	2.31¢	6.93¢	6.93¢	6.93¢	23.10¢
WFWells Fargo Autograph	2.39¢	7.17¢	2.39¢	7.17¢	7.17¢
CICiti Custom Cash	2.31¢	11.55¢	2.31¢	2.31¢	2.31¢

The true-value matrix — an excerpt of 21 cards × 7 categories, every cell in honest ¢ per $1, not multipliers. Green is best shown; gold rows are the cards in your wallet.

What you get

One wallet. Three answers you can’t get anywhere else.

Everything is grounded in the same three things: verified issuer data, your actual holdings, and your actual spending.

Wallet

A wallet, valued honestly

The same 137,345 points carry two very different prices. We show you both — and how to land at the top of the range.

True valueif you transfer well$2,805

Cash-out floorwhat banks would pay you$1,374

Strategy

The best card for every purchase

Multipliers lie. True value is the multiplier × what the point is honestly worth — so every category gets a real winner.

DiningWF Autograph7.17¢/$1

GroceriesAmex Gold8.00¢/$1

HotelsCSR via portal16.08¢/$1

Ask P&P AI

An AI that knows your wallet

Not generic card advice — answers computed from the cards you hold, the balances you have, and verified numbers.

Which card for the Costco run?

✓ Grounded in your wallet
Costco takes Visa only — your Amex Gold stays home. Best Visa you hold: Sapphire Reserve, 2.01¢/$1.

How it works

Under two minutes. No bank login, ever.

Add your balances by hand

Pick your programs and type the balances. We never ask for a bank login — your numbers stay yours.

Tell us your monthly spend

Rough bands are fine. Your spend profile turns generic card math into your ¢-per-$1 strategy.

Get your strategy — and ask anything

Honest values, the best card per category, and an AI that answers with your wallet in hand.

Why you can trust the numbers

Every number traces to an issuer source.

No scraped guesses, no affiliate-flavored “up to” math. Three inputs, each one checkable.

Published earn structures

Multipliers come from the issuers’ own published terms — caps, portals, and asterisks included, never smoothed over.

✓

Typical-redemption values

Each point is valued at its independently verified typical-redemption rate — what real redemptions pay, not aspirational maximums.

Your wallet, your spend

The numbers are recomputed against the cards you actually hold and the way you actually spend. Same data, personal answer.

programs tracked

21 × 7

cards × categories in the matrix

2.39¢

highest verified base value (WF)

Jul 13

values last verified, 2026

When we can’t verify a number, we say so. You’ll see the asterisk, the cap, and the source — because a strategy built on marketing math isn’t a strategy.

The differentiator

Ask it like you’d ask a friend who reads card agreements for fun.

Generic chatbots know what cards exist. Ask P&P AI knows which ones are in your pocket, what your points are worth today, and where the fine print bites.

“Which card for the Costco run?” “Is the CSR’s $795 fee still worth it for me?” “Best use of 60,000 Chase points?”

Which card should I use for the Costco run tomorrow?

✓ Grounded in your wallet

Costco takes Visa only, so your Amex Gold — your best grocery earner at 8.00¢/$1 — stays home.

Best Visa you hold: Chase Sapphire Reserve — 1x → 2.01¢/$1 in warehouse clubs.
Costco isn’t coded as groceries; no card you hold bonuses it.
If the cart is big: the Citi Custom Cash (not in your wallet) would earn 5x → 11.55¢/$1 on your top category.

Computed from your wallet + issuer terms · typical-redemption values verified 2026-07-13

Your points are waiting to be counted.

Add your first balance and see its honest dollar value instantly. Most wallets take under two minutes.

Build your wallet — free

No bank login · No credit pull · Free while in beta