Forget your credits. We won't. We track your credit card benefits for you.
Other apps make you remember, tap, and check off. We watch your statements and confirm your credits automatically as you spend — and a real points expert plans your award trips. The work happens whether you log in or not.
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 missed deadlines. No money left on the table.
Add Your Cards
Pick your cards from our catalog in 30 seconds. We read your benefits, never your card numbers.
We Track Every Benefit
On Free, tap a credit to mark it used and your running total updates instantly. On Pro, connect securely with Plaid and we confirm credits automatically as you spend — no tapping at all.
You Get Reminders
Personalized emails before any benefit expires, with the exact action to take.
Everything your points need.
Nothing you don't.
Credits Confirmed Automatically
Connect your cards with Plaid and we watch your spend for you. When you use a credit — Resy dining, airline fees, hotel credits — we detect it and check it off automatically. (On Free, mark them used with a tap.)
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 (manually) – unlimited cards
- Expiry deadline alerts
- Transfer bonus alerts for your programs
- Benefit reminders for all your cards
- Personalized trip planning from a real points expert (Pro only)
$5.99/mo
Or $54/annually. Cancel anytime.
- Everything in Free
- Credits confirmed automatically as you spend (via Plaid)
- 2 personalized trip plans per year from a real points expert
- Benefit reminders for all your cards
- Full insight dashboard – view all cards at once
No affiliate links. We don't take a cent from card issuers — we just track the benefits you already paid for.
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 on premium card benefits and transfer partner alerts rather than general spend tracking. And linking a bank is never required. On Free, you add your cards and mark credits used by hand. On Pro, you can link accounts read-only through Plaid, and your credits are confirmed automatically as you spend. Either way, your bank login never reaches us.
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 unlimited cards with full benefit tracking, monthly reminders, and expiration alerts. Most one-or-two-card users never need to upgrade.
Only on Pro, and only if you choose to. On the Free plan, nothing is connected: you add your cards and mark credits used yourself. Pro members can link accounts read-only through Plaid, so we confirm statement credits automatically as you spend instead of waiting for you to tick them off. Plaid handles the sign-in, so your bank login never reaches us. The connection is read-only and cannot move money, and you can disconnect it at any time.
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 see or store your card numbers, and we never ask for your bank login. If you’re on Pro and link an account, Plaid handles the sign-in and sends us read-only data. What we store is the cards you track, any balances you enter, and, for linked accounts, the transactions we read to confirm your credits, plus the last four digits of each card so two of the same card can be told apart. Your data is encrypted and stored securely via Supabase, and you can disconnect a linked bank whenever you like.
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.