No account
A real look before you share anything.
- Programs library
- Full product demo
- Start wallet setup
Your wallet, translated
Know what your points are worth.
See where each purchase should go and when points beat cash. Each recommendation includes the calculation.
No payment card requiredManual wallet setup availableMath and sources shown
Card recommendation demo
Sample monthly groceries$600
Freedom Unlimited1.5% cash back$0
Amex Gold4× MR × 0.60¢ floor$0
Amex Gold leads by $5.40 estimated monthly rewards value at floor valuations.
Automatic spending
Bring in recent spending
Plaid opens your bank sign-in. Points & Prompts never sees your login.
Automatic import arrives with your beta. Start manual for now.
Coming with betaDemo
Automatic import is available. Connect once to fill monthly categories.
Build your walletConnect a bank94cards with sourced rules
37airline and hotel programs
Floor firstconservative value shown
$0affiliate influence
Plans and access
Start free. Upgrade for the full analysis.
Free includes one complete card recommendation. Beta and Pro include recommendations for the rest of your spending categories.
Your first answer
$0. No payment card required.
- Saved wallet values
- One complete card recommendation
- 3 answered AI conversations per month
Every category
$5/month or $48/year, save 20%.
- Every category answered
- Unlimited AI
- Full Points Strategy
- Reports and alerts as they launch
The value, on one category
See the leak. Then see the better card.
Free shows one complete answer. Beta and Pro apply the same analysis to every category. Figures show estimated incremental rewards value at floor valuations. They do not represent money lost.
One insight proves the method. The full grid applies it everywhere.
The same monthly spend, run against two cards from a sample wallet, showing the better card for that category and the rewards you would gain.
Sample categories, wallet, and monthly spend. Floors: Membership Rewards 0.60¢, Ultimate Rewards 1.00¢. Caps and eligibility still apply.
Category strategy demo
Groceries · complete free insightFree
AssumedFreedom Unlimited$9.00/mo
→
OptimizedAmex Gold · 2.4¢/$$14.40/mo
+$/mo estimated incremental value
DiningBeta / Pro
Complete answer available. No recommendation data is returned in Free.
AssumedFreedom Unlimited$4.50/mo
→
OptimizedAmex Gold · 2.4¢/$$7.20/mo
+$/mo estimated incremental value
TravelBeta / Pro
Complete answer available. No recommendation data is returned in Free.
AssumedAmex Gold · 1×$1.80/mo
→
OptimizedSapphire Preferred · 2×$6.00/mo
+$/mo estimated incremental value
Everything elseBeta / Pro
Complete answer available. No recommendation data is returned in Free.
AssumedAmex Gold · 1×$3.00/mo
→
OptimizedFreedom Unlimited · 1.5%$7.50/mo
+$/mo estimated incremental value
Sample wallet, four categories: in estimated incremental rewards value.
Sample wallet demos
Your total, a value drop before it hits, and an answer with its math.
Real examples: what four balances are worth at conservative floors, a transfer rate about to change, and how a travel question gets answered.
Wallet value demo
Four balances. One conservative floor total.
Conservative floor total
Program-change demo
Chase to World of Hyatt
Before1:1
1,000 Chase → 1,000 Hyatt
After4:3
Hyatt points
Effective October 1, 2026
Sapphire Preferred and Ink Business Preferred change to 4:3. Sapphire Reserve keeps 1:1. Bilt remains 1:1. Source and next step included.
Sapphire Preferred and Ink Business Preferred change to 4:3. Sapphire Reserve keeps 1:1. Bilt remains 1:1. Source and next step included.
Coming to Beta + Pro. No invented urgency.
Ask P&P
Ask about your points. See the calculation.
Answers use the wallet you built and include the calculation and source links.
Ask P&P answer demo
Lisbon in March: points or cash?
Start with cash for this fare.
At $640 round-trip, 48,000 Chase points need to return more than 1.33¢ each to beat cash.
$640 ÷ 48,000 = 1.33¢/point
Conservative Chase floor: 1.00¢. Check the exact award price before transferring.
Conservative Chase floor: 1.00¢. Check the exact award price before transferring.
We need your help
Build free now. Help shape Pro in the founding beta.
Twenty-five accepted testers receive the first year of Pro free in exchange for candid feedback. When the year ends, there is a clear choice and no automatic charge.
Your wallet takes under 5 minutes.
Start with cards and balances, then add monthly spending manually. Plaid launches later.
New: Best Card, our early Chrome extension that shows which of your held cards earns most on the store you are viewing →
Program library
Every program we track, in one place.
Cards, airlines, and hotels — what each program is, how it’s structured, and how they connect. ✓ verified July 13, 2026
Swipe for more →
Your wallet
Add what you have — a guess is fine. Everything stays in your browser until you choose to save.
Reference library
Sources, dates, and changes behind the numbers
Check the source and verification date for each dataset. Browse loyalty-program changes or open the public data library.
Methodology & Data
Point-value sources, floor and typical definitions, update dates, and AI limits.
Read the methodology
Updates
Dated changes to programs, transfer partners, and valuations, with source links when available.
See recent updates
Elite Status
Tier requirements and benefits from each airline or hotel program's published pages.
Explore elite status
Program name map
Names used by this site, AwardWallet, and issuer transfer lists. Download CSV or JSON, or connect the data to Google Sheets or Excel.
Open the name map
You can read these pages without an account. Data verified July 13, 2026.
Elite status
Elite status perks across every major airline and hotel program we track — what each tier actually requires, and what you get once you're there.
Verified as of: July 26, 2026
Pulled straight from each program's own pages — but these programs change their rules often, so it's worth confirming the details before you commit to a tier.
Recent Points & Programs Updates
Program rate changes, transfer-partner additions and removals, and valuation shifts — tracked as they happen, with a source link where we have one.
Verified as of: July 26, 2026
How we verify our numbers
AwardWallet supplies typical point values. Issuer and program pages supply transfer ratios, card facts, and status rules.
Verified as of: July 26, 2026
Your chats
Every conversation you've had with Ask P&P AI.
Your profile
Manage your name, home airport, and account.
Choose a new password
This link works for one hour. If it's expired, request a new one from the sign-in menu.
No bank login required. Tell us what you hold. · How we source numbers
Save your setup
No password — we email you a magic link, or continue with Google. We remember your cards and points across devices.
We store only which cards & programs you have and your balances — never card numbers.
Delete your account?
This permanently deletes your account, wallet, and every chat. This can't be undone — your profile, saved cards/points, and full chat history are all removed for good.
This calls a reviewed, server-side delete — nothing client-side can bypass it or act on any account but your own.
Go deeper in your own AI
"Your own AI" means the ChatGPT, Claude, or Gemini you already use elsewhere — a full, ongoing conversation with no daily limit. Reach for it when you want to dig deeper than a quick answer, you've used up today's free in-site questions, or you'd rather keep working in the assistant you already have open. Doesn't use one of your daily answers.
Copy the prompt below and paste it in — it already includes your wallet, your question, what Points & Prompts already told you, and a Source line pointing back to pointsandprompts.com so your AI can double-check the numbers instead of guessing.
Your balances are included only if you've added them. Nothing leaves your device until you tap. The prompt cites pointsandprompts.com so your AI can check our numbers.