# Points Compass — What waiting costs you

> Calculates the cost of waiting to redeem travel rewards and analyzes redemption value. (iPhone/iPad app by Yeison Ochoa.)

- Source: https://appshunter.io/ios/app/points-compass/id6794562189 (this page in markdown: same URL + `.md`)
- Developer: [Yeison Ochoa](https://appshunter.io/developer/6794562191)
- Category: Travel
- Price: Free with in-app purchases
- Rating: 5.00/5 from 5 App Store ratings · 5 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.1 · 33 MB
- Languages: American English
- Released: 2026-09-20
- Data updated: 2026-09-29
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/points-compass/id6794562189/reviews.md

## What is Points Compass?

Points Compass answers one question that no balance tracker will: what does waiting cost you?

About a third of the travel rewards issued each year are never redeemed. Not because people lose them — because they hold them, waiting for a better redemption, while two things happen at once. Each point quietly loses value. And the trip they are saving for quietly gets more expensive in points.

Points Compass prices both, separately, and adds them up.

Type in what you hold. There is no airline login, no hotel login and no bank connection — the app is not connected to any of them and never asks. Name a trip and give it both prices, what it costs in points and what it costs in cash. Then the app draws two lines: the points you will hold over time, and the points the trip will cost over time. Where they meet is the earliest month you could book it. The gap between them, until that month, has a dollar figure — and the app shows you both halves of it.

It is honest in both directions. Some currencies really are worth holding: when your miles have gained value over the year, or the award price has been flat, the app says so instead of telling you to spend. And when the points are the expensive way to buy a trip, it tells you to pay cash.

What it works out for you:
The month your balance finally covers the trip, and the cost of waiting for it, split into award inflation and devaluation. What each currency you hold is shedding, in dollars, every month. Where the hard expiry cliffs are, the last safe date to reset each one, and what hitting one would cost. Whether this particular redemption beats simply paying cash. Your real earning rate, derived from your own balance updates rather than typed in. And a log of every verdict the app has given, graded later against what actually happened — including the times it was wrong.

Every figure is arithmetic you can see. Open "How this was worked out" on any verdict and the whole calculation is there, with every assumption editable. There is no score, and no number the app will not explain.

Points Compass Pro, an optional subscription, adds unlimited trips compared side by side, burn order with the reason for every placement, transfer paths, the full month-by-month history, the complete decision log, and a plain-English second opinion written from your own numbers. It is $4.99 per month or $39.99 per year, with a 7-day free trial for eligible accounts. Payment is charged to your Apple ID at confirmation of purchase. The subscription renews automatically unless cancelled at least 24 hours before the end of the current period, and you can manage or cancel it any time in your App Store account settings.

The free plan is not a demo. It prices one trip completely, end to end, including the part this app exists for.

Points Compass is an educational planning tool. Every cents-per-point, drift and award-inflation figure in it is an estimate you can change, not a live data feed. It recommends no financial product, opens no account, moves no money, and is not affiliated with any airline, hotel or card issuer. Always confirm award pricing and availability with the programme before you book or transfer. This is not financial advice.

Privacy Policy: https://preview.apppublishing.ai/legal/437/privacy
Terms of Use (EULA): https://preview.apppublishing.ai/legal/437/terms

## Key features

- Calculates cost of waiting for rewards
- Analyzes award inflation and devaluation
- Compares cash vs. points redemption
- Estimates currency shedding value
- Identifies hard expiry cliffs
- Provides real earning rate estimates

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Points Compass Pro Monthly | $4.99 | per month |
| Points Compass Pro Annual | $39.99 | per year |


## Recent user reviews (5 of 5)

All indexed reviews: https://appshunter.io/ios/app/points-compass/id6794562189/reviews.md

### 5/5 — The only rewards app that actually does honest math.

*2026-09-23*

"Every other balance tracker treats points like cash sitting in a high-yield savings account. They aren't. Points Compass is the first tool I've seen that prices devaluation and tells you when paying cash is actually the smarter move.
Used the burn order feature to decide my Chase Card program for my first Europe trip. Paid for an entire year of Pro in one booking decision.

**Developer response:** Thank you for this — this is exactly why Points Compass exists. Points aren't cash, and the moment you start pricing devaluation, the whole 'best redemption' question changes. Glad the burn order helped you lock in your Chase Card program for Europe, and that one booking covered the year. That's the win we build for. Safe travels, and fair winds!

### 5/5 — Helpful

*2026-09-22*

Great place to keep track of all those travel points. Made me focus on finding all the ones I have in various places!

### 5/5 — Refreshingly honest — and zero logins required.

*2026-09-22*

I refuse to give all these companies my banking credentials, so most rewards apps are non-starters for me. Points Compass doesn't ask for any of that. You plug in your numbers, test your trip assumptions, and get a verdict. As simple as that.

**Developer response:** Thank you! You put it better than we could. Happy travels, and fair winds!

### 5/5 — Finally stopped hoarding and booked the flight

*2026-09-22*

I’ve been sitting on nearly 400k in AMEX and Chase points for two years, telling myself I was waiting for the perfect redemption. Plugged in our Tokyo trip and saw in black and white that waiting another six months was going to cost an estimated $600 plus inflation and all that, so I pulled the trigger. I did have to plug every detail in myself but I guess that’s better than waiting for bank authentications and syncing my bank information all over the place.

**Developer response:** Thank you, and congrats on Tokyo! Seeing the real cost of waiting is exactly what Points Compass is built for. Points lose value while they sit, and 400k is a lot to let slide. You're right about manual entry: it's a deliberate choice. We never ask for bank logins or account linking, so your financial data stays yours. Enjoy the trip, and fair winds!

### 5/5 — Points Compass

*2026-09-21*

A nice app for consolidating your points from different programs and apply to your trips. Great saving and budgeting tool.

## Frequently asked questions about Points Compass

### What is Points Compass?

Points Compass is a travel planning tool that helps you understand the financial implications of holding onto travel rewards. It calculates the cost of waiting to redeem points due to devaluation and increasing trip costs.

### Does Points Compass connect to my airline or hotel accounts?

No, Points Compass does not connect to any airline, hotel, or bank accounts. It is an offline tool where you manually input your reward balances and trip details.

### How does Points Compass calculate the cost of waiting?

It separately prices the devaluation of your points over time and the increasing cash cost of your desired trip. The app then shows the dollar figure representing the gap between your points balance and the trip cost until you can book.

### Can Points Compass tell me if I should pay cash instead of using points?

Yes, the app analyzes whether a particular redemption is more valuable than simply paying cash for the trip. It provides an honest assessment based on your input data.

### What are the benefits of Points Compass Pro?

Points Compass Pro, an optional subscription, offers unlimited side-by-side trip comparisons, burn order suggestions, transfer path analysis, full history logs, and plain-English second opinions on your data.

### How much does Points Compass Pro cost?

Points Compass Pro is available via subscription for $4.99 per month or $39.99 per year. It includes a 7-day free trial for eligible accounts.

### How do I cancel my Points Compass Pro subscription?

You can manage or cancel your subscription at any time within your App Store account settings. The subscription renews automatically unless cancelled at least 24 hours before the end of the current period.

### What devices is Points Compass available on?

Points Compass is available for iPhone and iPod devices.

## Version history (last 1 release)

### 1.0 — 2026-09-21

No release notes.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-29.*