The Points Tool You've Always Wanted

We Rank Cards Based
on Dollar Values

Point values vary a lot. But you'll know clearly how much each point is worth based on your priorities.

We Organize Your
Card Portfolio

We'll only recommend cards that you don't have — and cards that fit your goals. We'll also suggest changing cards you've outgrown. Personalized card recommendations.

We Organize your Card Portfolio

We Keep Track of
Approval Rules for You

We'll warn you on which rules you've tripped (or are about to trip). Then we'll coach you on how best to go forward while maximizing your points.

Click the answers to just 5 questions and get personalized results

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Breaking Points See All Breaking Points »

Check out the latest points-collecting news bits.

October 8, 2025

Citi Strata Elite

Citi Strata Elite is offering 100,000 points after spending $6000 in 3 months with a $595 annual fee.. That's up 20,000 points over their standard offer of 80,000 after spending $4000 in 3 months.

October 2, 2025

American Airlines CitiBusiness

American Airlines CitiBusiness is offering 75,000 points after spending $5000 in 5 months with a $0 for first year ,then $99 annual fee.. That's up 10,000 points over their standard offer of 65,000 after spending $4000 in 3 months

October 2, 2025

Hilton Honors Surpass

Hilton Honors Surpass is offering 155,000 points after spending $3 000 in 6 months with a $150 annual fee.. That's up 25,000 points over their standard offer of 130,000 after spending $3000 in 6 months. Offer expires 1/14/26.

October 2, 2025

Hilton Honor Business

Hilton Honors Business is offering 175,000 points after spending $8000 in 6 months with a $195 annual fee.. That's up 45,000 points over their standard offer of 130,000 points after spending $6000 in 6 months. Offer expires 01/14/26.

Points Navigator Gives You Unique Insights Because

We Don't Take Money We Don't Take Money
From the Banks

So we recommend the cards that are best for you, not for us

When there is a change, we update everything When There is a Change,
We Update Everything

So you will never see the warning, "SOME things in this article are not true"

Our advice is personalized Our Advice is
Personalized

So you don't have to weed through cards you already have — or that don't fit your preferences

We rank and automate everything We Rank &
Automate Everything

So you'll know what card is best, & we'll keep track of rules & annual fees for you

Most Popular Guides to Collecting Points See All Guides »

Limited-time Offers See All Limited-time Offers »

Card Delta SkyMiles Reserve Offer Ends Oct 29, 2025

125,000 Bonus Points

Card Details
Card Delta SkyMiles Gold Offer Ends Oct 29, 2025

80,000 Bonus Points

Card Details
Card Delta SkyMiles Gold Business Offer Ends Oct 29, 2025

90,000 Bonus Points

Card Details
Card Delta SkyMiles Platinum Offer Ends Oct 29, 2025

90,000 Bonus Points

Card Details