Smart Credit Cards Reward Management

Never Miss A Credit Card Benefit Again

Track your credit card perks, optimize spending, and maximize rewards across your entire portfolio. Know exactly which card to use for every purchase.

Start Your 3-Day Trial See How It Works

$920⁺

Average annual value tracked per member

My Credit Card

Platinum Card

Gold Preferred

Stop Losing Free Money

Those dining and shopping credits? They expire if you don't use them. That's $250+ per year down the drain!

Use the Right Card, Every Time

No more wondering which card to pull out. Get instant recommendations so you always earn the most points.

Make Those Fees Worth It

See exactly how much value you're getting from each card. Finally know if that annual fee is actually worth paying.

How It Works

Everything you need to
maximize your rewards

Digital Wallet

Manage Your Entire Card Portfolio

Store all your credit cards in one secure digital wallet. Track balances, annual fees, payment dates, and bonus categories. See your entire portfolio at a glance with beautiful card visualizations.

Unlimited card storage
Track benefits & perks
Calculate total benefits value

Smart Optimizer

Know Which Card to Use

Enter any expense and instantly discover which card earns the most rewards. Our intelligent recommendation engine analyzes your entire portfolio to maximize every purchase.

Instant card recommendations
Track monthly spending by card
Smart category matching

Smart Notifications

Never Miss Important Card Updates

Get timely notifications about statement credit reminders, expiring benefits, and Points Mom tips. Stay informed about opportunities to maximize your rewards without constantly checking your cards.

Transfer bonus alerts
Credit use reminders
Expert Points Mom tips

Value Calculators

Calculate True Card Value

Premium card calculators help you determine if your annual fees are worth it. Track credits usage vs. fees to make smart retention decisions.

Calculators for all major card providers
Accurate value tracking
Retention decision support

Benefits Tracker

Never Miss a Card Benefit

Track all your credit card perks and benefits in one place. Set up automatic monthly resets and get reminders before credits expire. Perfect for maximizing rideshare, airline, hotel, dining, shopping, and entertainment benefits.

Track all card benefits & credits
Automatic monthly resets
Expiration reminders

Benefit Tracking

Never lose a credit again. Track rideshare, airline, hotel, dining, shopping, and entertainment credits with automatic resets.

Payment Reminders

Email notifications for upcoming payment dates and annual fees. Never pay late fees again.

Expense Analysis

Visual spending breakdown by category. Identify optimization opportunities at a glance.

Pricing

Choose your plan

Try it free for 3 days.

Monthly

$15 /month

Full optimization suite

Unlimited card tracking
Card Benefits Tracker
Which Card? optimizer
Loyalty program tracking
Premium calculators
Email notifications

Start 3-Day Trial

Recommended - Best Value

Annual

$129 /year

Save $51 annually

Everything in Monthly
Save over $50 per year
Priority support
Early feature access
Just $10.75/month

Start 3-Day Trial

"I was forgetting about my monthly Uber and airline credits every month. Now I get reminders and we've saved over $400 this year alone!"

Sarah M.

Points Wallet User

"No more standing at checkout wondering which card to use! It tells me exactly which one earns the most points. Game changer."

Lisa T.

Frequent Traveler

"We just booked flights to Hawaii using points—completely free! I never would have maximized our cards without this tool."

Jennifer R.

Family Traveler

Meet the Creator

Why I Built The Points Wallet

Hi, I'm Cindy—The Points Mom. As a former lawyer and CPA turned travel-obsessed mom of three, I've spent years mastering the art of credit card rewards. One time we saved $26,000 on a trip to Aspen—we were able to travel the world without breaking the bank.

But here's the thing: even as an expert, I found myself struggling to keep track of all my cards' benefits. I was missing out on monthly credits, forgetting which card to use where, and losing money on perks I'd already paid for through annual fees.

That's when I realized—if I was having trouble managing my cards, imagine how hard it must be for everyone else. The Points Wallet: a simple tool to help families like mine maximize every credit card benefit, never miss a credit, and make those annual fees actually worth it.

After helping countless individuals and families travel for free through my speaking events and coaching, I wanted to create something that could help even more people. The Points Wallet is my way of sharing the strategies that have taken my family around the world—and making sure you capture every dollar of value from your cards.

— Cindy, The Points Mom

FAQ

Frequently Asked Questions

Do you track business cards as well as personal?

Business cards are on the way. Currently we track 80+ of the most common personal cards. You can also add your own custom cards in our interface.

Do I have to enter personal information, or account numbers?

No, we don't ask you to enter any sensitive account information. We've designed The Points Wallet to help you organize your benefits without having to disclose personal info. Try it and you'll see.

Can I cancel at anytime?

Yes, you can cancel at any time. For monthly subscribers you'll have access to the app for the remainder of that month. For yearly subscribers, you'll receive a pro-rated refund based on the monthly subscription rate of $15 per month.

Will I receive email notifications?

Yes, that's one of the best parts of the app! When there are special perks and benefits that is offered on your card(s) you'll be notified all in one place! No more missing those valuable perks and benefits.