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What the tracker actually does.

Three tools, one account. A perks tracker that turns a coupon book of credits into a real net annual fee. A vault that values every balance you hold. An advisor that plans award trips from those balances instead of from a generic card list. Here is each one, with the numbers showing.

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Free. No card applications, no affiliate links, no bank logins. You type in what you hold.

💳 Card Perks

Every credit on every card, and what your fee really is.

Premium cards now come with a dozen credits that reset monthly, quarterly, semiannually, or once a year. Forget one and the annual fee stops making sense. Card Perks lists each credit on its own reset cycle, counts down the days left, and flags the ones about to close.

Tap a credit to mark it used. The card's net fee drops by that amount on the spot, so instead of guessing whether a $795 card pays for itself, you watch it happen.

  • Credits auto-reset when their cycle rolls over.
  • A "use it or lose it" strip surfaces anything unused and closing soon.
  • Set your anniversary date and it warns you before the fee posts.
Track my cards

Cards owned

2

Annual fees

$1,690

Credits used

$1,235

Net effective fee

$455

🔥 Use it or lose it

$150 semiannual dining credit (OpenTable)Chase Sapphire Reserve · 47 days left · $150
$100 quarterly Resy creditAmerican Express Platinum · 18 days left · $100

Chase

Chase Sapphire Reserve

Annual fee

$795

Used

$550

Net

$245

✅ $300 annual travel credit

Annual · $300 · 110d left

✅ $250 semiannual hotel credit (The Edit)

Semiannual · $250 · 47d left

○ $150 semiannual dining credit (OpenTable)

Semiannual · $150 · 47d left

○ $150 semiannual events credit (StubHub)

Semiannual · $150 · 47d left

○ $10 monthly Peloton credit

Monthly · $10 · 18d left

💵 Points Vault

Every balance you hold, valued the way you value it.

Points are worth what you redeem them for, not a fixed penny. The vault gives each program an editable cents-per-point figure and rolls it up into one portfolio total you can actually plan around.

Balances are entered by hand, with a timestamp. Anything untouched for 30 days gets a stale flag, so a lapsed account or a forgotten expiry shows up before it costs you.

  • Bank, airline, and hotel programs side by side.
  • Balance history per program, so you can see what you burned on a trip.
  • Add household members and see their totals separately or pooled.
Value my points

Total points

750,260

Estimated value

$14,031.98

Programs

5

Stale balances

1

Amex Membership Rewards Bank

Updated 3 days ago

364,324

$7,286.48 · 2.00¢

Chase Ultimate Rewards Bank

Updated 6 days ago

190,078

$3,896.60 · 2.05¢

Avios Airline

Updated 12 days ago

130,000

$1,820.00 · 1.40¢

Atmos Rewards (Alaska) Airline

Updated 9 days ago

57,757

$895.23 · 1.55¢

World of Hyatt Hotel

Updated 41 days ago

8,101

$133.67 · 1.65¢

Estimated total

$14,031.98

750,260 points

🧭 Points Advisor

Ask where to go. It answers from your vault.

The advisor reads your balances, the transfer partners those points can reach, and every live transfer bonus, then plans the trip. Flights, hotels, cruises, or a full itinerary. It names the program, the award price, and the order to do things in.

It will also tell you when the answer is "not with what you have." That is the point. No card pitches, no affiliate detours.

  • Follow-up questions keep the same context.
  • Save an answer to come back to it, or let it remember your preferences.
  • Ask about one person's points or the whole household's.
Ask the advisor

You

Two of us, business class to Tokyo next April, ten days. I've got 364k Amex and 190k Chase. What's the play?

🧭 Points Advisor

The short version

Amex to ANA for the flights, Chase to Hyatt for the hotel. You land both without touching the Avios or Alaska miles.

Flights: ANA Mileage Club, via Amex

  • ANA round-trip business, US East Coast to Tokyo, is about 88,000 miles per person on ANA's own metal. Two seats is 176,000 Amex points, leaving you around 188k.
  • Transfers take one to three days, so find the seats first. ANA only sells round trips, so book it as one award.
  • Backup: Virgin Atlantic Flying Club books the same ANA business seats for about 90,000 round trip per person, and Amex moves there instantly.

Hotel: Park Hyatt Tokyo, via Chase

  • Category 8, 40,000 points a standard night. Four nights is 160,000 Chase points, and your 190k covers it with 30k spare.
  • Cash rate those dates is usually over $1,000 a night, so you're getting roughly 2.5¢ a point against the 2.05¢ you value Chase at.
  • Heads up: Chase to Hyatt drops to 4:3 on October 1. Transfer before then and the 160k math holds. After, four nights runs about 213k Chase and you're short.

What I'd do this week

  1. Search ANA space for two in April. If it's there, transfer 176k Amex and book.
  2. Move 160k Chase to Hyatt before October 1 and hold the Park Hyatt on a refundable rate.
  3. Leave the Avios and Alaska miles alone. That's your positioning-flight fund.

You

And if ANA has nothing?

🧭 Points Advisor

Try Virgin Atlantic next. It books the same ANA seats and sometimes sees space ANA's own members don't. Third option is Air Canada Aeroplan, also an Amex partner, at about 75,000 one way in business on Star Alliance carriers. Nearly double, so only if the dates are fixed. Skip the Chase portal for this one; 176k points at 1.5¢ is a $2,640 flight and you can do far better.

Sample conversation. Award prices are what the programs charged when this was written, September 2026. The live advisor works from your own balances and today's transfer bonuses, of which there are 6 right now.

After you sign up

1

Pick your cards and programs

Setup lists every card and loyalty program in the catalog. Tick what you hold. Takes two minutes.

2

Type in your balances

No bank logins. Enter the numbers, adjust the cents-per-point if you disagree with the defaults, and the portfolio total appears.

3

Mark credits, ask the advisor

Your home page shows what's closing this month and which live bonuses touch your programs. When a trip comes up, ask.

Free to start. Articles, trip reports, and live bonus data stay open to everyone.

The tracker is the part that needs an account, because it needs your numbers.

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