# Points Vault - Rewards Tracker — Track Miles, Points & Cards

> Track Miles, Points & Cards (iPhone/iPad app by IOAN MIHAI COSMA.)

- Source: https://appshunter.io/ios/app/points-vault-rewards-tracker/id6759834847 (this page in markdown: same URL + `.md`)
- Developer: [IOAN MIHAI COSMA](https://appshunter.io/developer/1881069228)
- Category: Finance, Travel
- Price: Free
- Age rating: 4+
- Requires: iOS 15.0 · 3 MB
- Languages: American English
- Released: 2026-03-09
- Data updated: 2026-08-20
- User reviews in markdown: https://appshunter.io/ios/app/points-vault-rewards-tracker/id6759834847/reviews.md

## What is Points Vault?

Points Vault helps you track, manage, and maximize your credit card points, airline miles, and hotel loyalty rewards — all in one place.**

**WALLET**
Add your credit cards and earning platforms. See every loyalty program you can access through transfer partners, organized by airline alliance and hotel chain. Know exactly what you have and where it can take you.

**OPTIMIZER**
Enter your monthly spending and let Points Vault recommend the best card combination for you. Solo card, duo, or trifecta — find the setup that earns the most points within your fee budget.

**EXPLORE**
Discover cards worth adding to your wallet. See welcome bonuses, annual fees, and perks — ranked by how well they complement what you already carry.

**TIPS**
Browse expert travel rewards guides written by real points enthusiasts. From transfer partner sweet spots to card strategy breakdowns — updated regularly at points-vault.com.

**FEATURES**
- 45+ credit cards from Chase, Amex, Capital One, Citi, and more
- 28+ airline and hotel loyalty programs
- Transfer partner mapping so you always know where your points can go
- Spending optimizer with 9 categories and customizable fee budgets
- Earning platforms including Bilt Rewards, Rove Miles, and Rakuten
- No account required — sign in only to sync across devices,no data sharing, maximum privacy


## Version history (last 5 releases)

### 2.0.2 — 2026-08-17

updated transfer ratios

### 2.0.1 — 2026-06-27

minor updates

### 2.0.0 — 2026-05-31

**Budget Tracker — now included**
Track your monthly spending across 14 categories, set budgets, and watch progress bars turn amber at 80% and red when you're over. All data stays on-device.

**Import statements from any app**
Share a credit card PDF from your bank's app and Points Vault parses it automatically — Chase, Amex, Citi, Capital One, and Wells Fargo supported. On iPhone 16+ with Apple Intelligence, unknown issuers are parsed too.

**Smart card recommendations**
Based on your actual spend mix, Points Vault scores every card in its catalog and ranks the top picks for your wallet — including annual fee vs. credits math.

**Tap to recategorize**
Every imported transaction is editable. Tap it, pick a category, done. Merchants we couldn't identify automatically sort to the bottom for easy review.

**Foreign currency support**
Traveling? The parser recognizes FX rows and always pulls the USD amount, ignoring foreign-currency figures that would inflate your totals.

### 1.0.5 — 2026-05-04

**What's New in 1.0.5**

**Optimizer improvements**
- New Profile step: choose Miles, Cash Back, or Best Return before running the optimizer
- Include/exclude business cards with one tap
- Rent/mortgage toggle — Bilt earn rate scales dynamically (0.5×–1.25×) based on your other monthly spending
- Solo, Duo, and Trifecta modes now return exactly that many cards
- 5 new spending categories: Transit, Rideshare, Gym, Phone, and Internet

**Card data updates**
- Amex Gold: corrected to 3× on direct flights; credits updated to $100 Resy
- Wells Fargo Autograph: updated to 3× dining, transit, gas, streaming, and phone
- Wells Fargo: added Cathay Pacific as a transfer partner (10 partners total)
- Bilt Rewards: removed Spirit Airlines (23 partners)
- All 40+ cards updated with earn rates for the new spend categories

### 1.0.4 — 2026-04-20

• All three Bilt Mastercard 2.0 tiers (Blue, Obsidian, Palladium) now in the Explore tab — with full details, earn rates, and apply links
• Bilt card data updated for the February 2026 relaunch
• New Tips tab — browse  travel rewards guides and strategies, updated regularly at points-vault.com
• Performance improvements and minor fixes

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## More apps by IOAN MIHAI COSMA

- [Loungeaway](https://appshunter.io/ios/app/loungeaway/id6759878066)

All apps by IOAN MIHAI COSMA: https://appshunter.io/developer/1881069228

## Related topics

[cosmos rewards](https://appshunter.io/ios/topics/cosmos-rewards) · [rewards tracker](https://appshunter.io/ios/topics/rewards-tracker)

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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 2026-08-20.*