Card Points Optimizer

Poiiints connects to your bank via Plaid, analyzes 12 months of real transactions, and tells you exactly which credit cards would earn you the most rewards → Portfolio optimizer — finds the optimal 2-3 card combination for your spending mix → 154 cards in the database with precise category earn rates → AI chat assistant — ask personalized questions, it knows your actual spending → Completely free. No premium tier. No ads.