Points Vault - Rewards Tracker

Know which credit card to use for every purchase — and what your points and miles can actually book.

Points Vault keeps your cards, points and airline miles in one place. Tap the cards you have and it shows the best card for groceries, dining, gas and travel, every airline and hotel your points can reach, and how many points a flight costs.

No account needed — sign in only if you want your data on more than one device.

THE BEST CARD FOR EVERY PURCHASE
Answer a few questions about how you spend, and the Optimizer recommends the best one, two or three cards within your annual-fee budget — cash back or travel rewards, your choice.

SEE WHAT YOUR POINTS CAN BOOK
Pick a route and a cabin. Points Vault compares published award charts from 12 airline programs and shows which of your points to transfer, and how many.

NEVER MISS A TRANSFER BONUS
Limited-time bonuses from Chase, Amex, Capital One, Citi, Bilt and Rove appear automatically, with their end dates, and are counted in your award search results.

KNOW BEFORE YOUR MILES EXPIRE
Enter your balances and the expiry tracker shows which miles expire first, and when.

WALLET
Every card, points currency and loyalty program in one place, with transfer ratios shown the same easy way (for example 1,000 → 750).

TIPS
Short, practical guides on getting more from your points, updated regularly.

INCLUDED
- 45 credit cards from Chase, Amex, Capital One, Citi, Wells Fargo, US Bank, Bank of America and Barclays
- 47 airline, hotel and rail programs, including Amtrak Guest Rewards
- Earning platforms: Bilt Rewards, Rove Miles and Rakuten
- Statement import and spending budgets, processed on your iPhone
- Card offers, transfer partners and bonuses refresh automatically — no app update needed
- Optional sign-in with Apple or email to keep your data on more than one device

Award prices come from each airline's published charts. A chart shows what a seat costs, not whether one is available — always check with the airline before transferring points, because transfers can't be reversed.