Free — No Account Needed

Stop Leaving Points on the Table

Add your credit cards, search any store, and instantly see which card earns the most rewards. No guessing. No spreadsheets.

✉️ Get weekly tips on maximizing your credit card rewards

Free · No spam · Unsubscribe anytime

or
🧭 Try the Card Finder Free →

Works with Chase, Amex, Capital One, Citi & more

🔍 Starbucks ☕ Dining
Amex Gold
Earns 4× pts per $1 · $4.00 per $100
🏆 Best
Sapphire Preferred
3× pts
Freedom Flex
3× pts
Citi Double Cash
2% cash
22+
Popular cards in database
200+
Merchants mapped to categories
Free
No account required
How It Works

Know the Right Card in Seconds

No spreadsheets. No tabs of Reddit threads. Just open, add your cards, and search.

1
💳

Add Your Cards

Select the credit cards you already own from our database of 22+ popular cards — Chase, Amex, Capital One, Citi, and more.

2
🔍

Search Any Store

Type a merchant name like "Whole Foods" or "Shell" (or just a category like "dining"). We map it to the right rewards category instantly.

3
🏆

Swipe the Winner

We rank your cards by reward rate for that merchant and show you the best one to use — with exact points and cashback per $100 spent.

Features

Everything You Need to Earn More

Built for the 200+ million Americans who already have credit cards and want to use them smarter.

🔍

Merchant Search with Smart Category Mapping

Type any store name — Mobil, Whole Foods, Netflix, AMC — and we instantly map it to the right rewards category so you see the true earning rate.

💳

Personal Wallet, Zero Signup

Add your cards once and they're remembered in your browser. No account, no email, no syncing required. Your wallet stays private on your device.

🏆

Ranked Results with Real Numbers

See every card ranked by reward rate for that category, with exact dollars earned per $100 spent. Not just "3x points" — we show what that's actually worth.

📚

Card Database: 22+ Popular Cards

Chase Sapphire, Amex Gold, Capital One Venture X, Citi Double Cash, and more — all with up-to-date reward rates across 11 spending categories.

Pricing

Simple, Transparent Pricing

The core card finder is free forever. Upgrade to Pro for deal alerts, spending analytics, and more.

Free

$0
Free forever
  • ✓ Search any merchant
  • ✓ Add unlimited cards to wallet
  • ✓ Best card recommendations
  • ✓ 200+ merchant database
  • ✓ No account required
Try It Free →
Best Value

Pro

$49
per year · or $5/mo
  • ✓ Everything in Free
  • ✓ Deal alerts for your cards
  • ✓ Spending analytics dashboard
  • ✓ Bonus category calendar
  • ✓ Annual fee break-even calculator
Get Pro — $49/yr →
Why Point Pilot

The Right Card Changes Everything

Most people swipe whatever's closest. The right card at the right merchant earns 3-6x more.

❌ Without Point Pilot

  • ❌ Swipe the wrong card and earn 1% everywhere
  • ❌ Forget which card has the grocery bonus
  • ❌ Miss 4-6x multipliers at places you go daily
  • ❌ Tab through 5 browser tabs to figure it out
  • ❌ Leave hundreds of dollars in rewards per year

✅ With Point Pilot

  • ✅ Instantly know the best card for any store
  • ✅ See real earning rates — not vague "X times points"
  • ✅ Works with the cards you already have
  • ✅ Search takes 3 seconds, no login needed
  • ✅ Earn hundreds more per year with zero extra spending
FAQ

Common Questions

No account required. Your wallet is stored in your browser's local storage. Nothing is sent to our servers except your searches. Open the app and go — it works instantly.
22+ of the most popular US cards: Chase Sapphire Preferred/Reserve, Freedom Unlimited/Flex, Amex Gold/Platinum/Blue Cash Preferred/Everyday, Capital One Venture X/Venture/SavorOne, Citi Double Cash/Custom Cash/Premier, Discover it, Wells Fargo Active Cash, Bilt Mastercard, US Bank Altitude Go, Amazon Prime Rewards, and more.
200+ common merchants across all categories: gas stations (Shell, BP, Mobil, Chevron), grocery chains (Whole Foods, Kroger, Trader Joe's, Publix), restaurants (McDonald's, Starbucks, Chipotle), streaming services (Netflix, Spotify, Disney+), and many more. Can't find a merchant? Use the category buttons directly.
We show the base earning rate for each category (e.g., 4x points at Amex Gold for dining). We normalize all rates to a simple multiplier so you can compare points and cashback cards side by side. The "per $100" figure uses a 1¢ per point valuation for points cards and face value for cashback.
The core tool is 100% free — add your cards, search merchants, see which card wins. No account needed, no ads. Pro ($49/year or $5/month) adds deal alerts, spending analytics, bonus category calendar, and annual fee break-even tools. See pricing.

Start Earning More Today

No account. No setup. Just add your cards and search. Takes 60 seconds.

Open Point Pilot →

Get notified when we add new cards + tips on maximizing your rewards: