Know the best card for every purchase

Pointer AI instantly tells you which credit card earns the most rewards at any store — in person or online. Stop guessing, start maximizing.

No bank logins required
100% free to start
Pointer AI showing the best credit card recommendation for a purchase
Pointer AI points overview dashboard
Pointer AI online store rewards tracking
✦ How It Works

Maximize rewards in three taps

No spreadsheets. No memorizing categories. Just open the app and know instantly.

1
💳

Add your cards by name

Pick your cards from our database. No card numbers, no bank logins — just the card names you already know. We handle the reward structures automatically.

2
🔍

Search any store

Use the map for nearby stores or search online retailers like Amazon, Target, and Nike. Pointer pulls the right reward rules, bonuses, and perks for each merchant.

3

Swipe the best card

We rank your cards, highlight the winner, and show exactly how much extra cashback or points you'll earn. Even prompts Apple Pay for a seamless checkout.

✦ Core Features

Everything you need to never waste a swipe

Pointer goes beyond basic card tracking — it's your complete rewards command center.

Pointer AI store search showing nearby stores on a map

Search Stores Near You or Online

Use the built-in map to find nearby stores and instantly see which card to use, or switch to Online mode and search thousands of retailers like Amazon, Target, Nike, and more.

GPS-powered mapOnline retailersMerchant categorization
Pointer AI card perks showing all credit cards with earn rates and benefits

Your Cards, Perks & Points in One Place

See all your credit cards with their earn rates, perks, and benefits at a glance. Every perk tracked, every benefit organized. Your total points across all programs, front and center.

Points dashboardEarn ratesPerks tracker
Pointer AI perks list tracking credits and benefits across all cards

Credits & Benefits Tracker

Never forget a credit again. Pointer tracks every perk across all your cards — from Global Entry credits to DoorDash DashPass, CLEAR Plus, Equinox, and more. See which need activation.

All cards consolidatedCategory filtersActivation alerts
Pointer AI trip search with transfer bonuses and flight planning

Transfer Bonuses & Trip Planning

Track active transfer bonus promotions and time your transfers for maximum value. Plan flights and hotels using your points, search by route and cabin class.

Live transfer bonusesFlight searchHotel search (beta)
✦ Inside the App

See Pointer AI in action

Every screen designed to save you time and earn you more rewards.

Best Card Result

Best Card Result

Store Search

Store Search

Online Stores

Online Stores

Your Wallet

Your Wallet

Card Details

Card Details

Earn Rates

Earn Rates

Credits & Benefits

Credits & Benefits

Perk Details

Perk Details

Transfer Bonuses

Transfer Bonuses

Trip Search

Trip Search

Trips & Bonuses

Trips & Bonuses

Best Card Result

Best Card Result

Store Search

Store Search

Online Stores

Online Stores

Your Wallet

Your Wallet

Card Details

Card Details

Earn Rates

Earn Rates

Credits & Benefits

Credits & Benefits

Perk Details

Perk Details

Transfer Bonuses

Transfer Bonuses

Trip Search

Trip Search

Trips & Bonuses

Trips & Bonuses

✦ Pricing

Simple, transparent pricing

Start free. Upgrade when you're ready to unlock the full power of your wallet.

Free

$0
Forever free
  • Weekly store searches
  • Unlimited cards
  • All card perks in one spot
  • Card recommendations
Get Started Free
★ Most Popular

Premium

$4.99
per month
  • Unlimited store searches
  • Sale forecasts before you shop
  • Transfer partner optimization
  • New premium features all year
Start Premium

Most people leave rewards on the table. You don't have to.

If you use more than one credit card, Pointer tells you which one to swipe before you pay — so you stop wasting rewards by guessing.

Download Pointer AI
✦ FAQ

Frequently asked questions

Everything you need to know about Pointer AI — and how it compares to the alternatives.

Pointer AI maintains a comprehensive database of credit card reward structures, rotating bonus categories, and merchant classifications. When you search for a store — whether nearby on the map or online — Pointer cross-references the merchant's category with your cards' earn rates, active promotions, and transfer bonuses to rank your cards from highest to lowest reward potential. The result shows your best card, the exact multiplier (like 3x on dining), and how much more you'll earn compared to your other options.
No — and this is one of Pointer's biggest advantages. Unlike apps like MaxRewards or Kudos that require bank logins through services like Plaid, Pointer AI never asks for card numbers, banking credentials, or any sensitive financial data. You simply select your cards by name from our database. This means zero syncing issues, no re-authentication headaches, no 2FA loops, and no risk of your banking credentials being stored by a third party. Your privacy is absolute.
Most rewards apps require bank logins to pull transaction data and auto-activate offers. This creates real problems: constant re-syncing, 2FA prompts every time you open the app, connection failures with specific banks, and the inherent security risk of storing credentials with a third party. Pointer took a fundamentally different approach. Since the core value is knowing which card to use before you pay, we only need to know which cards you carry — not your account details. You add cards by name, and our database handles the reward structures, bonus categories, and merchant mappings. The result is an app that works instantly every time with zero maintenance.
The Free plan includes weekly store searches, unlimited card additions, a full card perks and benefits tracker, and card recommendations. Premium ($4.99/month) unlocks unlimited store searches for both in-person and online merchants, sale forecasts so you can check for upcoming deals before you shop, transfer partner optimization to maximize the value of your points when booking travel, and early access to new features as they roll out. Even on the free plan, you get more functionality than many competitors' paid tiers.
Yes — this is one of Pointer's standout features that competitors like MaxRewards, CardPointers, and Kudos simply don't offer. The Travel Tab lets you search flights and hotels by route, date, and cabin class (economy through business), then shows you how to book using your accumulated points. It factors in transfer partner ratios and highlights active transfer bonuses — like +15% to Avianca LifeMiles or +20% to British Airways — so you can time your point transfers for maximum value. You can even filter hotels by minimum star rating.
Transfer bonuses are limited-time promotions where credit card points programs (like Chase Ultimate Rewards or Amex Membership Rewards) offer extra points when you transfer to airline or hotel loyalty partners. For example, a +20% bonus to British Airways means 100,000 Chase points become 120,000 Avios — that's 20,000 free points just for timing your transfer right. Pointer tracks every active transfer bonus across all major programs, shows the bonus percentage and expiration countdown, and factors these bonuses into your trip planning so you always transfer at the right time.
Pointer AI supports cards from all major issuers including Chase (Sapphire Reserve, Sapphire Preferred, Freedom Flex, Freedom Unlimited), American Express (Platinum, Gold, Green, Blue Cash), Capital One (Venture X, Venture, Savor), Citi (Custom Cash, Double Cash, Premier), Discover (it Cash Back), Bank of America (Premium Rewards, Customized Cash), Wells Fargo (Autograph, Active Cash), Barclays, Bilt, US Bank, and many more. Our database is continuously updated with new cards, rotating quarterly categories, and promotional offers.
For in-person shopping, Pointer uses your location to display nearby stores on an interactive map. Each store shows its merchant category icon. Tap any store to instantly see which of your cards earns the most rewards there, with the exact multiplier and reward type. For online shopping, switch to the Online tab and search from popular retailers including Amazon, Target, Walmart, Nike, Apple, Uber Eats, Booking.com, Best Buy, and thousands more. Both modes rank your cards in real time for the highest return on that specific purchase.
The Perks tab consolidates every benefit across all your cards into one searchable, filterable view. This includes credits (like Amex Platinum's $200 airline credit, $200 Uber credits, $300 Equinox credit), travel perks (Global Entry/TSA PreCheck, airport lounge access, auto rental coverage), lifestyle benefits (DoorDash DashPass, Lyft Pink, streaming credits), and insurance protections. You can filter by card or by category, and Pointer flags which benefits require activation so you never leave money on the table.
Pointer's free tier already gives you unlimited cards, a full perks tracker, and weekly store searches — that's comparable to what some competitors charge $60–108/year for. The Premium upgrade at $4.99/month unlocks unlimited searches and travel features. Compare that to MaxRewards Gold at $108/year, CardPointers+ at $72–90/year, or AwardWallet Plus at $50/year. Pointer is the most affordable premium option in the space, offers unique features like trip planning and transfer bonus tracking that no competitor includes, and never requires bank logins. Most users find the app pays for itself within the first month.
Yes. When Pointer shows you the best card for a purchase, it includes an Apple Pay prompt at the bottom of the screen that tells you to double-click the side button and select that specific card in Apple Pay. This creates a seamless flow from recommendation to payment — you see the best card, tap to pay, and you're done. No other rewards optimization app integrates with the Apple Pay checkout flow this way.
Pointer AI is currently available on iOS and can be downloaded from the Apple App Store. Android support is on our roadmap — stay tuned for updates by following us or contacting hello@usepointer.ai.