Know what your points are really worth.
What every point you hold is really worth, and advice grounded in your wallet — not the internet's averages.
Three steps from a pile of points to a plan.
Type in the cards and balances you hold — about two minutes, by hand, no bank login needed. Every point gets a dollar value — sourced and dated — the moment it lands.
Start your wallet → ~2 minBuilt from your wallet, not the average person's: the best card you hold for every dollar you spend, and the number a redemption has to beat.
See your strategy →Travel, program, and points questions, answered from your wallet and our verified program data — with the math and the sources shown.
Ask a question →Floor = what you'd get cashing out or with no optimization. Typical = AwardWallet's average from real redemptions. Most sites only show you the big number.
The one number card advice needs: ¢ back per $1.
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.
Dining — top of the matrix best in green
| 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 earn-rate matrix — every card we track, every spending category — see the whole thing →
A "point" is not a point.
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 July 13, 2026 · all 37 programs →
Advice that knows what you hold.
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.
Costco takes Visa only — your Amex Gold stays home.
Your best grocery earner (Amex Gold, 8.00¢/$1) isn't accepted, and Costco doesn't code as groceries anyway.
- Best Visa you hold: Chase Sapphire Reserve — 1x → 2.01¢/$1 at warehouse clubs.
- If the runs are frequent: the Citi Custom Cash (not in your wallet) would earn 5x → 11.55¢/$1 on your top category — capped at $500/mo.
Probably not — that move usually cuts your value roughly in half.
Your Chase Ultimate Rewards run about 2.01¢ each at typical redemption; Marriott Bonvoy points run about 0.93¢. And a transfer is one-way — once they land, they're Marriott points for good.
- Price the room in cash first: your 60,000 UR carry roughly $1,200 of typical value — the award has to beat that.
- Transfer only for a specific stay you've already priced, never to "top up" an account.
Amex Gold — the strongest dining earner you hold.
4x Membership Rewards × 2.00¢ typical = 8.00¢ back per $1 — about four times a flat 2% cash-back card.
- Runner-up in your wallet: Wells Fargo Autograph — 3x × 2.39¢ → 7.17¢/$1.
- Leave the Sapphire Reserve home tonight: 3x × 2.01¢ → 6.03¢/$1.
Close — your balance is worth about $1,200 of travel.
60,000 Chase Ultimate Rewards × 2.01¢ typical = about $1,206 of redemption value: enough for a well-priced round-trip fare, with little left over for the hotel.
- Put the points toward the flight, and pay the hotel with your best travel earner instead.
- Between now and March, every dining dollar on the Amex Gold adds 8.00¢ toward the gap.
Book all five nights on one reservation — the fifth is free.
Marriott's Stay for 5, Pay for 4 covers five consecutive nights at the same hotel for the price of four: 200,000 points instead of 250,000. That works out to 40,000 a night, about $372 at Bonvoy's typical 0.93¢.
- Four nights would cost the same 200,000. If the trip is close, stretch it to five rather than trim it to four.
- It applies automatically on a single booking of standard rooms, for every member. No Marriott card or elite status needed.
Five live answers are playing in the reel above · ask your own question →
A budget that keeps itself current.
Connect a bank once and the nine monthly spending totals behind Points Strategy stay up to date on their own. It's optional — typing things in by hand stays fully supported, exactly as it works today.
Set it once, stay current
Sign in at your bank inside Plaid's secure window — the same connection your budgeting apps use. From then on, your monthly category totals refresh automatically.
Sharper answers everywhere
Real spend personalizes every ¢-per-$1 number on Points Strategy and grounds Ask P&P AI in your actual months — not guesses you typed in once and forgot.
A choice, not a requirement
Connect nothing and nothing changes — manual entry works exactly like it does now, and always will. Disconnect any time; the numbers already in your budget stay yours.
Nine totals. That's everything we keep. No merchants, no line items, no login — your bank talks to Plaid, and Plaid sends recent transactions to our server, we add them up into monthly category totals, and only those totals are kept.
Never your login
You sign in at your bank, inside Plaid's window. Your credentials never touch our servers — we couldn't store them if we wanted to.
Transactions aren’t stored
We keep nine monthly category totals — dining, groceries, travel, and so on. Individual purchases and merchant names are never stored.
Never required
Optional, start to finish. Manual entry stays a first-class way to use Points & Prompts. Disconnect any time from your wallet — one tap, and we tell you exactly what gets deleted.
One more thing we're cooking up in the lab.
Not live yet, and we won't pretend otherwise. Here's what's next.
Drop in a statement, a points screenshot, or an award quote. More ways to keep your wallet current — and richer context for Ask P&P AI to work from.
Two minutes to know what your points are worth.
Type your balances in yourself — no bank login required. Free while in beta.
Get started by building your wallet →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
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Your wallet
Add what you have — a guess is fine. Everything stays in your browser until you choose to save.
Data & Resources
Everything behind the numbers: how we value points, what's changing across programs, how elite status actually works, and the name map you can pull into your own spreadsheet. Four references — all free.
Free to read — no account needed. 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
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
Where every value, ratio, and status requirement on this site comes from, and what we do (and don't) do with AI.
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 — you tell us what you hold. · How we verify numbers