Stop wasting your credit card benefits.
Most people waste $500+ per year in unused credits. We track every benefit across every card, remind you before they expire, and show you exactly how to use them—all in your email inbox.
FREE FOREVER · PRO FROM $5.99/MO · CANCEL ANYTIME
You're already paying for this.
Most people waste more in unused benefits each year than they'll save by optimizing their entire portfolio.
Amex Platinum alone. Add Chase Sapphire Reserve ($795), Capital One Venture X ($395), and you're paying $2,000+ per year in annual fees — just to get access to benefits.
Hotel credits expire. Dining credits forgotten. Travel insurance never deployed. Airline seat upgrades never claimed. Most cardholders leave 30-50% of their benefits on the table.
That's money you already paid for through annual fees. Money that expires on the 1st. Money that's gone forever. That's $8,470 per decade just... vanishing.
Your Personal Benefits Manager
No spreadsheets. No logging in. No missed deadlines.
Add Your Cards
Connect securely. We read your benefits, not your card numbers. (Takes 30 seconds.)
We Track Everything
All benefits, all deadlines, all expiry dates. Updated automatically each month.
You Get Reminders
Personalized emails before benefits expire, with specific actions to take.
Everything your points need.
Nothing you don't.
Monthly Benefits Tracker
See every credit available across all your cards this month. Tap a credit to mark it used — and watch your running total update in real time. Resets automatically on the 1st.
Transfer Bonus Alerts
We watch every major transfer partner and email you the moment a bonus drops for your exact programs. Chase UR +70% to IHG? You'll know before anyone else.
Expiry Deadline Tracker
Never miss a benefit deadline again. We track every expiry date across all your cards and send reminders before it's too late. Hotel credits, airline perks, dining credits — we've got them all.
All your points. One picture.
Most people have points scattered across 3–5 cards and no idea if they can actually afford the trip they want. The Points Planner adds them up, applies live bonuses, and tells you exactly where you stand — right now.
The only tool built around your cards.
Points blogs tell you about bonuses. Booking sites help you spend points. The Points Planner is the only platform that tracks what your specific cards are worth right now — and reminds you before you miss it.
Why so many people miss out
Between 30–50% of premium cardholders leave their credits completely unused.
That’s up to $1,800 a year — already paid for through your annual fee — quietly expiring on the 1st.
PRICING
Simple, honest pricing.
$0
Always free. No credit card needed.
- Monthly benefit tracker – up to 2 cards
- Expiry deadline alerts
- Transfer bonus alerts for your programs
- Benefit reminders for all your cards
- Personalized trip planning from a real points expert
$5.99/mo
Or $54/annually. Cancel anytime.
- Everything in Free
- 2 personalized trip plans per year from a real points expert
- Unlimited cards
- Benefit reminders for all your cards
- Full insight dashboard – view all cards at once
$39/annually for life
Be one of the first 50 members. Your rate never increases – for as long as your subscription stays active. This is our thank you to the people who believed in The Points Planner early.
- $39/annually forever (vs. $54)
- Everything in Pro, now and later
- Rate locked while subscription stays active
Annual billing only. $39/year rate applies as long as your subscription remains continuously active. If cancelled, the founding rate is forfeited.
What members are saying
FAQ
Common questions
The Points Planner gives you a single dashboard for every benefit across every card you own. Add your cards in 30 seconds, and we’ll show you what’s available this month — Resy credits, airline credits, hotel credits, dining credits, and more — with exact expiration dates. You’ll also get a monthly email reminder summarizing what you have left to use before it resets.
You can — and many people do. The problem is that a spreadsheet doesn’t email you on the 25th to remind you your $100 Resy credit expires in 5 days. The Points Planner does the tracking, calendar math, and proactive reminders so the credits you’ve already paid for don’t silently expire. No tabs to open, no formulas to maintain.
The Points Planner is email-first: instead of asking you to open another app, we proactively email you before your credits expire and when transfer bonuses drop. We focus specifically on premium card benefits and transfer partner alerts rather than spending categorization. We also don’t ask for bank credentials — your cards and balances are added manually, which means we never need access to your financial accounts.
Yes — and the Free plan is built exactly for that. If you have one or two premium cards, you’re still paying hundreds in annual fees and likely missing hundreds of dollars in unused credits per year. The Free plan covers up to 2 cards with full benefit tracking, monthly reminders, and expiration alerts. Most one-or-two-card users never need to upgrade.
No. You manually add your cards and point balances, which means we never need access to your bank or credit card accounts. We don’t store card numbers, account numbers, or any financial credentials — only the card names you select and the balances you choose to enter. Your data stays minimal and under your control.
The Points Planner supports all major premium cards from American Express, Chase, Capital One, Citi, and Bilt — including Platinum, Gold, Sapphire Reserve, Venture X, and more. If a card you hold isn’t listed, let us know and we’ll prioritize adding it.
We never store or ask for your card numbers, account numbers, or any financial credentials. The Points Planner only stores the card names you select and the point balances you manually enter — nothing sensitive. Your data is encrypted and stored securely via Supabase.
Yes. You can cancel your subscription at any time from your account settings. There are no cancellation fees, and you’ll retain access until the end of your current billing period.
You’ll still get tremendous value from The Points Planner even without transfer bonuses — monthly credit reminders, benefit tracking, and personalized dashboards for your specific cards. But when a relevant transfer bonus hits, we’ll alert you right away so you don’t miss it.
Never. The Points Planner is a paid subscription service funded entirely by its members. We don’t sell your data, show ads, or take referral commissions that bias our recommendations.