Points decisions start with your wallet

Know what your points could do next.

Add the cards and balances you already have. See what they may be worth, then use that picture to make a clearer decision.

Build free walletSee the sample wallet
No payment card requiredManual setup with sourced math
Sample household spend30% above 2024 U.S.

Groceries · $674/month

About 2,697 points/month at 4 points per $1.

ReadingMonth1 year5 years
Conservative$16.18$194$971
Average$54.48$654$3,269
Highest$100.60$1,207$6,036

Illustrative sample · if this spend held · before annual fees · not a guarantee.
Verified snapshot · September 3, 2026.

94cards with sourced rules
46rewards currencies
3points value readings
$0affiliate influence

Wallet

Keep what you have in view.

Add a balance once. Wallet keeps the program, points, reading, and modeled value together, so you can see the number behind the next decision.

Start walletTry the sample reading
Sample walletManual setup
Modeled value
$2,323
Average · 2.02¢ per point
C
Chase Ultimate RewardsTransferable points
Current sample balance115,000
Reading stays visible wherever this balance is used.Sample only · modeled value, not cash.

Points Strategy

See whether a choice holds up.

Compare the cards in front of you against the way you value the points. Strategy keeps the assumptions beside the recommendation.

Sample answerFor this grocery spend, Amex Gold stays ahead across the modeled readings.
Which card for $600 in monthly groceries?Sample comparison · values shown before annual fees
Not your wallet
Card from sample wallet
Conservative
Average
Highest
AMEX
American Express GoldCatalogued sample card
$14.40modeled month
$48.48modeled month
$89.52modeled month
CHASE
Freedom UnlimitedCatalogued sample card
$9.00modeled month
$9.00modeled month
$9.00modeled month
LeadAmex Gold in this sample
+$5.40per month
+$39.48per month
+$80.52per month

Freedom Unlimited is cash-back here, so it stays at $9 across all three readings.

Build my strategy

Ask P&P AI Demo

Ask a points question. See the math behind the answer.

Start with a bounded sample question, separate the inputs, and watch the break-even line make the decision legible.

Start wallet
Sample question · value check

48,000 points or $640 cash?

Denver to San Francisco is $640 cash round trip or 48,000 points. Which way should I book?
Visible math
Cash price$640
Points price48,000
Break-even1.33¢ per point
1.33¢ is the line.Below it, the award costs less modeled value. Above it, paying cash preserves more modeled value.

Demo scenario only · sample arithmetic, not live availability, advice, or a guaranteed outcome. Ask is not live here.

Chrome extension

Best Card for Chrome

See the best card from a sample wallet for the store you’re visiting. No login. No page-scraping.

Chrome extensions work in Google Chrome on desktop only.

Chrome Web Store · version 0.3.0 · published August 17, 2026

Add to Chrome
Best Card extension identifying Marriott.com and selecting Marriott Bonvoy Boundless from a three-card sample wallet
This exact image is shared with the extension and the /best-card page.

Programs

See where a points program can take you.

Open one currency, then move from the program’s rules to ways to use it and the current notes that may change the decision.

Explore programs
C
Chase Ultimate RewardsSample program preview
Choose a row to reveal the public program detail.

Data & Resources

Follow a number back to its source.

The value is not just the answer. Show where it came from, when it was checked, and what changed.

Methodology & DataHow readings are defined and sourced.OpenRecent updatesWhat changed, when, and why it matters.OpenProgram name mapHow names are reconciled across sources.Open
Browse data & resources
ClaimAverage reading
SnapshotChecked September 3, 2026
Source trailMethod and external source shown together

Founding beta

Build free now. Help shape what comes next.

Up to 25 founding 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.

Build free wallet

Signup is the close. No price grid, extension ad, or unavailable feature promise competes with it.

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 September 3, 2026

Swipe for more →

Find the right home for your points.

All 38 airline & hotel points programs — Average redemption value

Every loyalty program Points & Prompts tracks, with its Average redemption value in cents per point (verified September 3, 2026), its type, and which transferable bank currencies feed into it. A point is not a point: the values below span roughly 6× from the most valuable to the least.

ProgramTypeAlliance / transfers inAverage value (¢ / point)
Aer Lingus AerClubAirlineNo alliance · transfers in from Amex MR, Chase UR, Bilt, Wells Fargo3.73¢
Virgin Atlantic Flying ClubAirlineNo alliance · transfers in from Amex MR, Chase UR, Citi TYP, Bilt, Wells Fargo3.46¢
Lufthansa Miles&MoreAirlineStar Alliance3.20¢
Iberia AviosAirlineOneworld · transfers in from Amex MR, Chase UR, Bilt, Wells Fargo2.91¢
Korean Air SkyPassAirlineSkyTeam2.86¢
CathayAirlineOneworld · transfers in from Amex MR, Citi TYP, Capital One, Bilt, Wells Fargo2.83¢
Avianca LifeMilesAirlineStar Alliance · transfers in from Amex MR, Citi TYP, Capital One, Bilt, Wells Fargo2.80¢
Singapore KrisFlyerAirlineStar Alliance · transfers in from Amex MR, Chase UR, Citi TYP, Capital One2.56¢
American AAdvantageAirlineOneworld · transfers in from Citi TYP2.56¢
British Airways AviosAirlineOneworld · transfers in from Amex MR, Chase UR, Capital One, Bilt, Wells Fargo2.55¢
Alaska / Atmos RewardsAirlineOneworld · transfers in from Bilt2.34¢
Air France–KLM Flying BlueAirlineSkyTeam · transfers in from Amex MR, Chase UR, Citi TYP, Capital One, Bilt, Wells Fargo2.24¢
United MileagePlusAirlineStar Alliance · transfers in from Chase UR, Bilt2.09¢
Air Canada AeroplanAirlineStar Alliance · transfers in from Amex MR, Chase UR, Capital One, Bilt1.86¢
Emirates SkywardsAirlineNo alliance · transfers in from Amex MR, Citi TYP, Capital One, Bilt1.55¢
Southwest Rapid RewardsAirlineNo alliance · transfers in from Chase UR, Bilt1.52¢
Delta SkyMilesAirlineSkyTeam · transfers in from Amex MR1.37¢
Frontier MilesAirlineNo alliance1.30¢
JetBlue TrueBlueAirlineNo alliance · transfers in from Amex MR, Chase UR, Citi TYP, Capital One, Wells Fargo1.24¢
Japan Airlines Mileage BankAirlineOneworld · transfers in from Capital One, Bilt1.20¢
TAP Air Portugal Miles&GoAirlineStar Alliance · transfers in from Capital One, Bilt1.00¢
Aeromexico RewardsAirlineSkyTeam · transfers in from Capital One0.75¢
Turkish Miles&SmilesAirlineStar Alliance · transfers in from Citi TYP, Capital One, Bilt—
ANA Mileage ClubAirlineStar Alliance · transfers in from Amex MR—
EVA Air InfinityAirlineStar Alliance · transfers in from Citi TYP, Capital One—
Qatar AviosAirlineOneworld · transfers in from Amex MR, Citi TYP, Capital One, Bilt—
QantasAirlineOneworld · transfers in from Amex MR, Citi TYP, Capital One—
Finnair AviosAirlineOneworld · transfers in from Capital One—
Etihad GuestAirlineNo alliance · transfers in from Citi TYP, Capital One, Bilt—
Costco Cash BackCashbackCash back · not transferable—
World of HyattHoteltransfers in from Chase UR, Bilt2.19¢
Wyndham RewardsHoteltransfers in from Chase UR, Citi TYP, Capital One, Bilt, Wells Fargo1.40¢
Choice PrivilegesHoteltransfers in from Citi TYP, Capital One, Wells Fargo1.22¢
Marriott BonvoyHoteltransfers in from Amex MR, Chase UR, Bilt0.93¢
IHG One RewardsHoteltransfers in from Chase UR, Bilt0.69¢
Hilton HonorsHoteltransfers in from Amex MR, Bilt0.62¢
Best Western RewardsHotel—0.60¢
Accor Live LimitlessHoteltransfers in from Citi TYP, Capital One, Bilt—

Values are Average-redemption estimates from AwardWallet, verified September 3, 2026, and change when programs devalue. A dash means no published Average value for that program yet. The interactive Programs reference also shows Conservative; Highest appears only when a current transfer-partner reading is distinct. Not financial advice.

Your wallet

Add what you have — a guess is fine. Everything stays in your browser until you choose to save.

Data & Resources

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: September 3, 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.
Data & Resources

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: September 3, 2026

Data & Resources

How we verify our numbers

AwardWallet supplies Average point values. Issuer and program pages supply transfer ratios, card facts, and status rules.

Verified as of: September 3, 2026

Your chats

Chat history appears here after you sign up. Signed-out visitors get Ask P&P AI Demo, not a model answer.

Your profile

Manage your name, home airport, and account.

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Send feedback

Up to 25 founding testers get the first year of Pro free. Charging is off. When the year ends, there is a clear choice and no automatic charge.

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. Reach for it when you want to dig deeper than a quick answer, or you'd rather keep working in the assistant you already have open.

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.