Know the right card
Every purchase is checked against the cards you actually own, their current earn rules, and the merchant evidence behind the recommendation.
Free in beta · built for everyday spending
PointsPilot
Make every card work harder.
Know which card to use, find rewards you missed, and keep every benefit in view. Built around the cards you already own.
Read-only Personalized Private
Illustrative purchase analysisDining
Frankies 457
$142.80
- Card used
- Example 1.5x card · 214 pts
- Better card
- Amex Gold · 571 pts
- Difference
- +357 pts · about $5
Next time, reach for the Gold.
How it works
Small choices. More rewards.
Compare example earning rates using your monthly spending. Your personal analysis uses the cards you own and their qualifying rules.
Illustrative rewards difference · 12 months
49,590points a year≈ $744 in estimated valueYour biggest example opportunityGroceries: about 22,500 extra points a year at 4x.
Uses 1.5 cents per point. Example rates exclude fees, spending caps, and eligibility restrictions.
One connected rewards system
Earn more. Lose less. Use everything.
PointsPilot combines spending intelligence, card benefits, balances, and redemption planning without changing how you bank.
Use every benefit
Track welcome offers, annual credits, free memberships, fees, and reward balances before value quietly expires.
Turn rewards into value
Understand what your points are worth and compare redemption opportunities without doing the conversion math yourself.
Your account intelligence
The value your wallet is producing, in one view.
Your wallet is on course.Illustrative demo · 12 months
Points left on table13,771about $248 recoverable
Points earned81,189+12.3% vs prior period
Rewards value$2,987across four programs
Optimal-card rate73%27% off target
Where value is leaking
Trust, before connection
Clear about what we can see. Clear about what we cannot.
PointsPilot is designed to analyze rewards, not move money. You control every connection and can remove it whenever you choose.
Read our security approach- Read-only financial connections
- No full card numbers stored
- Private data separated by account
- Recommendations show their evidence
PointsPilot for Business · In development
Put business spending to work.
We are exploring rewards tracking for business owners and teams, from everyday expenses to travel. Join the business waitlist to help shape it.
Your cards are already doing the spending