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A real look before you share anything.
- Programs library
- All five previews
- Start wallet setup
Your wallet, translated
Make every point pull its weight.
See what your wallet is worth, where each purchase should go, and when points beat cash, with the math shown. Build yours in under five minutes.
No payment card requiredNo affiliate biasReceipts for every answer
Card recommendation preview
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 betaPreview
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
The access model, plainly
Start free. Pay when the full analysis helps.
No blurred answers and no surprise wall after data entry. A free account gives one fully actionable recommendation. Beta and Pro apply the same complete analysis to every category.
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. Every figure is estimated incremental rewards value at floor valuations, never “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 preview
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.
Previews from a sample wallet
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 preview
Four balances. One conservative floor total.
Conservative floor total
Program-change preview
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 like a person and always get the receipts.
Every answer shows the math behind it and reads only the wallet you built.
Ask P&P answer preview
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.
Redeem points above their value floor
Redeem points above their typical value and hold them below it. That single rule is what separates a good redemption from a satisfying one. Points & Prompts prices each option against the verified typical value of the point being spent (verified July 31, 2026) and says plainly when cash is the better answer.
Transferable bank points are worth the most when moved to a specific, already-priced award — never to top up a balance, because the transfer is one-way. Every comparison shows the arithmetic that produced it, so you can disagree with the inputs rather than trust the output. Not financial advice.
Reference library
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.
Methodology & Data
How we put a dollar value on every point and mile, the sources behind each number, and when it was last verified.
Read the methodology
Updates
Recent changes to programs, transfer partners, and valuations — the moves worth knowing about, newest first, with a source where we have one.
See recent updates
Elite Status
What airline and hotel elite tiers actually require and what you get once you're there — pulled straight from each program.
Explore elite status
Program name map
Every program's name as we write it, as AwardWallet's valuation table writes it, and as each transfer partner list writes it. Download it as CSV or JSON, or pull it live into Google Sheets or Excel.
Open the name map
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
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
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
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.