Design mockup · not live

Two proposals from the Matt Value Brief: (A) Points Strategy ranked by true value — the verified base value of each card's point (AwardWallet ¢/pt, verified 2026-07-17) × its category multiplier — and (B) the new spend + knowledge onboarding step that turns that math personal. Every rate shown is from the live P&P dataset.

A · Points Strategy — true value

Your wallet earns
$540/yr
on your ≈ $3,000/mo spend (flat 1.5% card)
Optimized wallet
$1,865/yr
2 card changes · net of $325 in annual fees
Left on the table
+$1,325/yr
See exactly where, category by category ↓

Dining — ranked by true value

Your spend here: $600/mo → yearly value shown per card
AMEX American Express Gold · $325/yrBest for you
4x × 2.00¢/pt base = 8.0¢ per $1 · cap $50k/yr
8.0¢/$
≈ $576/yr
WF Wells Fargo Autograph · $0/yr
3x × 2.39¢/pt base = 7.2¢ per $1 — a $0-fee 3x that beats every other 3x below
7.2¢/$
≈ $516/yr
CITI Citi Strata Premier · $95/yr
3x × 2.31¢/pt base = 6.9¢ per $1
6.9¢/$
≈ $499/yr
CSP Chase Sapphire Preferred · $95/yrIn wallet
3x × 2.01¢/pt base = 6.0¢ per $1 — same 3x as Wells, 19% less per point
6.0¢/$
≈ $434/yr
C1 Capital One Savor · $0/yrcash back
3% cash — no point to multiply; face value
3.0¢/$
≈ $216/yr
BofA Your flat 1.5% card · today's everything-card
1.5% cash — Amex Gold returns 5.3× this on dining
1.5¢/$
≈ $108/yr

✓ Base values are AwardWallet's live ¢/pt (verified 2026-07-17), achieved at typical transfer redemptions — cash-out floors are lower. Tap any value for its receipt. How we verify →

Everything else — Matt's real category

Your spend here: $1,000/mo
CITI Citi Double Cash · $0/yrBest for you
2x × 2.31¢/pt base = 4.6¢ per $1 — 3× your flat card, no fee
4.6¢/$
≈ $554/yr
BILT Bilt Palladium · $495/yr
2x × 2.07¢/pt base = 4.1¢ per $1
4.1¢/$
≈ $497/yr
C1 Capital One Venture · $95/yr
2x × 2.04¢/pt base = 4.1¢ per $1
4.1¢/$
≈ $490/yr
BofA Your flat 1.5% card
1.5% cash
1.5¢/$
≈ $180/yr
💡 Break-even, stated plainly: Amex Gold's $325 fee pays for itself at ≈ $410/mo of dining + groceries vs your current 1.5¢ card. You spend $1,300/mo there — it clears the bar 3× over. Ask P&P AI: is this switch worth it for me? →
Full matrix — one grid, two lenses:
CardBase ¢/ptDiningGroceriesTravel (direct)Other

B · Onboarding — what you know & what you spend

Setup · Step 6 of 8

How deep are you into points?

So we pitch every answer at the right level — change it anytime in Profile.

Setup · Step 7 of 8

What goes on your cards in a typical month?

Ranges are fine — tap one per row. This powers your $-per-year strategy.

🔒 Private to your profile. Never linked to a bank. No card numbers, no statements, ever.
≈ $0/mo
Setup · Done

Here's what your spend is worth.

+$1,325/yr

left on the table with today's wallet.

Your cards today (flat 1.5%)$540/yr
Best 2-card setup we track$2,190/yr
Annual fees along the way−$325/yr
Net optimized$1,865/yr