Poiiints: Rewards Optimizer

Find the cards worth the most to you — and know which one to use when you shop. Poiiints helps you build a personalized credit card setup around your spending and preferences, then choose the best card from your own wallet for each purchase. **BUILD YOUR BEST CREDIT CARD STACK** Compare credit cards based on how you spend, how many cards you want, issuer preferences, annual fee limits and whether you're optimizing for first-year or ongoing value. **NEW: KNOW WHICH CARD TO USE WITH SCAN** At a store or planning a purchase? Type a merchant, choose a nearby place from the list or map, and see which of the cards you already own earns the most. Enter the purchase amount to see estimated rewards in dollars. On supported iPhones, you can read a price with your camera instead of typing it. Scan considers applicable rewards spending limits using the spending information available to Poiiints. See relevant credits and welcome-bonus opportunities separately from the earnings ranking. **ONLY COUNT BENEFITS YOU'LL ACTUALLY USE** Set how you redeem points and which card credits you'll really use. Poiiints updates your personalized card values instead of assuming every benefit is worth its advertised amount. **COMPARE CARDS BEFORE YOU APPLY** Evaluate up to five credit cards you're considering. See rewards, credits, welcome bonuses and annual fees in the context of your spending and preferences. **IMPROVE THE WALLET YOU ALREADY HAVE** Keep your existing cards and discover which one or two additions could make your wallet more valuable. **USE ACTUAL SPENDING OR YOUR OWN ESTIMATES** Connect your accounts through Plaid for spending-based calculations, or select your cards and enter spending estimates. No bank connection is required. **SEE WHEN ANOTHER CARD COULD HAVE EARNED MORE** Review transactions to identify cases when a different card in your wallet or recommended stack could have earned more rewards. From building your best stack to choosing a card at checkout, Poiiints helps you make more of every purchase.