Points & Prompts values every balance you hold at its verified typical-redemption rate, picks the right card for every dollar you spend, and answers questions grounded in your actual wallet — not the internet's averages.
Add balances by hand and see their honest dollar value instantly — typical-redemption rates if you transfer well, and the 1¢ cash-out floor the banks would rather you take.
$2,805 — not "137,345 points" →Not generic card advice. Every answer starts from the balances, cards, and spend you actually have — and shows the math and the sources it used.
See a grounded answer →Every multiplier comes from a published earn structure; every point value from verified typical redemptions, dated. When a program devalues, your numbers change the same day.
Browse 38 verified programs →A multiplier means nothing until you know what the point is worth. We multiply the two — for every card we track, in every category you spend in.
| Card | Earns | ¢ back / $1 |
|---|---|---|
| AXAmerican Express Gold | 4x × 2.00¢ | 8.00¢ |
| WFWells Fargo Autograph | 3x × 2.39¢ | 7.17¢ |
| CICiti Strata Premier | 3x × 2.31¢ | 6.93¢ |
| CHChase Sapphire Reserve | 3x × 2.01¢ | 6.03¢ |
From the full 21-card × 7-category matrix — see the whole thing →
The word hides a 6× spread. One Aer Lingus Avio is worth six Hilton points — and a transfer sent to the wrong program can halve your balance's value in one tap.
Typical-redemption values, AwardWallet, verified 2026-07-13 · all 38 programs →
Generic AI knows what cards exist. Ask P&P AI knows you have 60,000 Chase UR, an Amex Gold, and a trip to plan — and it shows its work.
Your best grocery earner (Amex Gold, 8.00¢/$1) isn't accepted, and Costco doesn't code as groceries anyway.
Type your balances in yourself — we never ask for a bank login. Free while in beta.
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