Credit-card & travel-points optimizer

The same points. Two very different values.

Banks quote the cash-out floor. Great redemptions pay double. Points & Prompts shows you the honest range for every balance you hold — and exactly how to land at the top of it.

Build your wallet — free See how it works

One demo wallet · 137,345 points · valued two ways

$1,374cash-out floor — what banks would pay $2,805true value — if you transfer well

Knowing the difference — and how to capture it — is the whole product.

✓ Verified issuer data ✓ No bank login, ever ✓ Free while in beta

Credit card points $1,453

AXAmex Membership Rewards12,345 pts$247

CHChase Ultimate Rewards60,000 pts$1,206

HYWorld of Hyatt25,000 pts$548

✓ Values verified July 13, 2026

Ask P&P AI

Which card for the Costco run?

✓ Grounded in your wallet
Costco takes Visa only — your Amex Gold stays home. Use your Sapphire Reserve: 1x → 2.01¢/$1.

How it works

From “points, somewhere” to a strategy — in under two minutes.

Add balances by hand

Pick programs, type numbers. We never ask for a bank login.

See honest values instantly

Every point priced at its verified typical-redemption rate.

Enter your monthly spend

Rough bands are fine — they personalize every ¢/$1 number.

Ask anything

The AI answers from your wallet and verified data. Nothing generic.

The product

Three tools. One source of truth.

A wallet that tells you the truth

Balances valued at what redemptions actually pay — with the cash-out floor right beside it, so you always know what’s at stake.

✓Typical-redemption values, independently verified ✓Cash-out floor shown honestly — no wishful math ✓Banks, airlines, and hotels in one place

AXAmex Membership Rewards12,345 pts · 2.00¢$247

CHChase Ultimate Rewards60,000 pts · 2.01¢$1,206

UAUnited MileagePlus40,000 mi · 2.01¢$804

HYWorld of Hyatt25,000 pts · 2.19¢$548

The best card for every purchase, in true ¢/$1

The matrix multiplies published earn rates by honest point values — so “5x” finally means something you can compare.

✓21 cards × 7 categories, one glance ✓Your cards highlighted; gaps worth chasing flagged ✓Caps, portals, and asterisks — kept, not hidden

Card	Dining	Groceries	Travel
Amex GoldWallet	8.00¢	8.00¢	10.00¢
Sapphire ReserveWallet	6.03¢	2.01¢	16.08¢
Citi Strata Premier	6.93¢	6.93¢	23.10¢
WF Autograph	7.17¢	2.39¢	7.17¢

An AI grounded in your wallet — that’s the moat

Anyone can wrap a chatbot around card blogs. Ask P&P AI computes its answers from verified issuer data × the cards you hold × the way you spend.

✓Knows your balances and your fee clocks ✓Cites the math — every claim traceable ✓Says “that card isn’t worth it for you” when it isn’t

Is the Sapphire Reserve’s $795 fee still worth it for me?

✓ Grounded in your wallet
On your spend — $250–500/mo flights, $100–250 hotels — the CSR returns roughly $430/yr in earn plus the $300 travel credit. Net of the fee you’re ahead, but thinly. If the hotel spend drops, we should talk.

Computed from your wallet + spend profile · earn rates verified 2026-07-13

Trust, checked

Every number traces to an issuer source.

28 programs, 21 cards, 7 categories — and one rule: if we can’t verify a number, we say so. You’ll see the asterisk and the source.

Published earn structures

Multipliers from the issuers’ own terms — caps and portal rules included.

✓

Verified point values

Typical-redemption rates, independently checked. Last verified July 13, 2026.

Your wallet × your spend

The same data, recomputed for the cards you hold and the way you spend.