Know Exactly What Your Points Are Worth
Most tools guess. PointAlchemy does the math. See which card to use for every purchase, whether each annual fee is earning its keep, and the best ways to redeem every point you have.
Free forever. No credit card required.
How it works
From sign-up to smarter points decisions in minutes
1. Connect your cards
Link your bank through Plaid or add cards manually. We pull your transactions, balances, and spending patterns automatically.
2. See what you're missing
Instantly see which card to use for every purchase, whether each annual fee is worth keeping, and which benefits you're not using.
3. Make smarter moves
Run an optimization report to find your best transfer paths, see which cards would earn more for your spending, and catch credits before they expire.
What other tools get wrong
Actual math, not estimates
Earning caps, weighted-average rates, merchant exclusions, rotating categories. We calculate the real number, not a ballpark.
Your spending, your answers
Recommendations are based on your actual transactions, not national averages. Every suggestion is specific to how you spend.
Portfolio-level view
Not just "which card for this purchase" but the bigger picture: annual fee ROI, benefit utilization, welcome offer timing, and portfolio gaps.
Everything you need to maximize your points
Whether you have 3 cards or 15
Portfolio Dashboard
Every point balance in one place with real-time dollar valuations across personal and business cards. Chase UR, Amex MR, Capital One, Citi TYP, Bilt, and more. Know what your portfolio is actually worth, not what you think it's worth.
Spending-Based Card Recommendations
Recommendations built from your actual transaction history, not generic "best cards" lists. We factor in earning caps, category spend limits, welcome offer timing, and benefit value. The difference between the right card and the wrong card on just dining and groceries is hundreds of dollars a year.
Benefits Tracker & Annual Review
Track statement credits, toggle perks, and unused benefits card by card. See your exact annual ROI with data confidence indicators. Never leave money on the table because you forgot about an expiring credit.
Transfer Partner Explorer
100+ transfer partnerships with exact ratios and processing times. A 100,000-point transfer to the wrong partner can cost you half the value. We show you the right one.
Fee Timeline
Every upcoming annual fee sorted by urgency. ROI, grace periods, and downgrade options before each fee posts.
Redemption Guide
Curated sweet spots matched to your portfolio. ANA First Class for 110k, Park Hyatt for 25k, and hundreds more.
Household Mode
Manage two portfolios together. See household-wide card gaps, combined value, and member-specific recommendations.
Smart Alerts
Get notified before annual fees post, statement credits expire, welcome offer deadlines hit, and transfer bonuses end.
Built for business cardholders too
Organize cards by company or LLC. Switch between personal and business views with one click. Every feature (recommendations, fee tracking, benefits, optimization) works separately for each entity. Your personal and business rewards never get mixed.
Every major points program, covered
6 transferable currencies, 100+ airline and hotel partnerships, so you see the full picture no matter which cards you carry
Chase Ultimate Rewards
14 transfer partners
Amex Membership Rewards
20 transfer partners
Capital One Miles
22 transfer partners
Citi ThankYou Points
17 transfer partners
Bilt Rewards
18 transfer partners
Wells Fargo Rewards
8 transfer partners
Airline Partners
Hotel Partners
annual-fee
A Data-Driven Framework for Annual Fee Decisions
Most people evaluate annual fees wrong — they either panic at the sticker price or blindly count theoretical credits. Here's the 4-step framework that gives you an actual answer.
10 min read
categories
Getting the Highest Earning Rate on Every Purchase: A Category-by-Category Guide
A full breakdown of the best credit card for every spending category in 2026 — dining, groceries, travel, gas, streaming, and the crucial "everything else" bucket — with exact rates, caps, and the math behind real annual value.
11 min read
earning-caps
Earning Caps Explained: What Happens When Your Bonus Category Runs Out
Most credit card bonus categories have spending caps that drop your earning rate to 1x after a threshold. Here's the math on how caps affect the Amex Gold, Citi Custom Cash, Freedom Flex, and more — and why families should pay extra attention.
9 min read
Stay ahead of the points game
Transfer bonuses, new card offers, and redemption sweet spots, delivered to your inbox when they matter.
No spam, ever. Unsubscribe anytime.
Simple, transparent pricing
Start free. Upgrade when you need more power.
Free
You're just getting started with rewards cards.
Plus
Founding MemberYou have a few cards and want to know if every annual fee is earning its keep.
Ready to see what your points are worth?
Free forever. No credit card required.
See what your points are worth