# Pointwise — Trusted Credit Card Advisor > Personalized credit card recommendations and continuous spending analysis. (iPhone/iPad app by Fluid Markets Inc..) - Source: https://appshunter.io/ios/app/pointwise/id6495271376 (this page in markdown: same URL + `.md`) - Developer: [Fluid Markets Inc.](https://appshunter.io/developer/1740813776) - Category: Finance, Travel - Price: Free with in-app purchases - Rating: 3.91/5 from 46 App Store ratings · 19 written reviews indexed - Age rating: 4+ - Requires: iOS 14.0 · 82 MB - Languages: English - Released: 2024-05-31 - Data updated: 2026-06-10 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/pointwise/id6495271376/reviews.md ## What is Pointwise? Pointwise: Your Trusted Credit Card Advisor Struggling to find the perfect credit card? Say goodbye to endless blog posts and YouTube videos. With Pointwise, discovering the best credit card strategy for your unique spending habits and preferences has never been easier. Why Pointwise? Personalized Recommendations: We analyze your spending patterns and preferences to compare them against hundreds of credit cards, providing you with the best card tailored just for you. Continuous Monitoring: Pointwise isn’t a one-time recommendation tool. We continuously monitor your spending over time, ensuring you always have the optimal credit cards in your wallet. Timely Notifications: Get notified when it’s the perfect time to get a new card. Our proactive alerts guide you through your credit card journey, maximizing your rewards and benefits. Effortless Optimization: No need to be a credit card enthusiast. Pointwise does the heavy lifting for you, offering expert insights and advice without the hassle. Key Features: - Comprehensive Analysis: We compare your spending to hundreds of credit cards. - Real-Time Monitoring: Stay updated with the best cards as your spending habits change. - Expert Guidance: Receive personalized advice and timely notifications. - User-Friendly Interface: Easy to navigate and understand, making credit card optimization a breeze. - Seamless Management: Effortlessly manage your credit cards and maximize their benefits. - Discover the power of smart credit card management with Pointwise. Download now and take control of your financial future. ## Key features - Personalized credit card recommendations - Continuous spending monitoring - Timely new card notifications - Comprehensive spending analysis - Expert credit card guidance - User-friendly interface ## Pricing and in-app purchases Base price: Free. **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Best Card Unlock | $1.99 | one-time | | Best Card Unlock | $4.99 | one-time | | Best Card Unlock | $14.99 | one-time | | Best Card Unlock | $9.99 | one-time | | Best Card Unlock | $19.99 | one-time | ## Recent user reviews (10 of 19) All indexed reviews: https://appshunter.io/ios/app/pointwise/id6495271376/reviews.md ### 5/5 — Very useful app *2025-04-02, version 1.1.2* Great app, had great recommendations. Thank you! ### 5/5 — Made it easy to pick a credit card *2025-02-18, version 1.0.34* Made it super easy to choose a credit card. I’ve never seen anything before that actually connected to my accounts to give me custom advice based on what I spend, so it gets my vote ### 2/5 — Good idea, mediocre execution. *2025-01-06, version 1.0.27* The app is extremely buggy it barely works as intended. It’s a great idea but I wouldn’t trust it giving them my financial information until they fix it. ### 2/5 — Too much data access for very little benefit *2025-01-06, version 1.0.27* Marginal benefits for the amount of data that they access. You can easily go with (s)herd (b)allet recommended cards and avoid selling out your privacy - on that note, it’s hard to get to any privacy page on the app, it’s promises some vague things about never selling your data but there isn’t a simple contract between the user and the site you can look up ### 1/5 — Just plain doesn’t work *2025-01-06, version 1.0.27* Tried it and it doesn’t work ### 3/5 — I wouldn’t use again *2024-11-26, version 1.0.25* I downloaded the app and it just felt like my data was being taken for not a lot of info in return. I connected my card info and just felt like I could have researched which credit card to get in my own without handing over all of my data. Just be cautious and try to do your research first before downloading the app. On a good note, the app was really easy to use! I like the idea of it. ### 5/5 — Great App *2024-11-01, version 1.0.21* Truly great app and it unlocks so many features. It’s also great to know the founders are actively doing customer service/support and taking feedback. Helped me abundantly in looking for new cars recommendations. I can’t wait to see where it goes ### 5/5 — Love Pointwise!!! *2024-11-01, version 1.0.21* I really like the concept of the app! Essentially, with authorization, the app is able to evaluate your credit card spending and recommend other credit cards that will help you gain points in the categories that you specified. Super helpful app with lots of potential! ### 5/5 — Must use for CC churners *2024-10-30, version 1.0.20* Great app to keep track of multiple cards when trying to maximize points earned. Has some early bugs but founders are responsive and working on improvements. ### 5/5 — Love this *2024-10-29* Made it super easy to choose a credit card **Developer response:** Thank you! ## Frequently asked questions about Pointwise ### What does Pointwise do? Pointwise acts as your trusted credit card advisor. It analyzes your spending patterns and preferences to compare them against hundreds of credit cards, providing personalized recommendations for the best cards tailored to you. The app also continuously monitors your spending to ensure you always have the optimal credit cards. ### How does Pointwise help me find the best credit card? Pointwise offers personalized recommendations by analyzing your spending habits and comparing them to a vast database of credit cards. It provides expert guidance and timely notifications when it's the perfect time to consider a new card, helping you maximize your rewards and benefits without the hassle. ### Is Pointwise free to use? The application is free to download and use, offering core features for credit card analysis and recommendations. However, it does include in-app purchases, suggesting that some advanced features or premium services may require a purchase. ### How does Pointwise monitor my spending? Pointwise continuously monitors your spending over time to ensure you always have the optimal credit cards in your wallet. This real-time monitoring allows the app to adapt its recommendations as your spending habits change, keeping your credit card strategy up-to-date. ### What are the benefits of using Pointwise? Pointwise simplifies credit card management by offering personalized recommendations, continuous monitoring of your spending, and timely notifications for new card opportunities. It aims to help users effortlessly optimize their credit card usage, maximize rewards, and take control of their financial future. ## Version history (last 5 releases) ### 1.1.2 — 2025-03-11 Pointwise: Your Trusted Credit Card Advisor Struggling to find the perfect credit card? Say goodbye to endless blog posts and YouTube videos. With Pointwise, discovering the best credit card strategy for your unique spending habits and preferences has never been easier. * UI improvements ### 1.1.1 — 2025-03-03 Struggling to find the perfect credit card? Say goodbye to endless blog posts and YouTube videos. With Pointwise, discovering the best credit card strategy for your unique spending habits and preferences has never been easier. * UI updates ### 1.1.0 — 2025-02-19 Struggling to find the perfect credit card? Say goodbye to endless blog posts and YouTube videos. With Pointwise, discovering the best credit card strategy for your unique spending habits and preferences has never been easier. * UI Fixes ### 1.0.34 — 2025-02-13 Struggling to find the perfect credit card? Say goodbye to endless blog posts and YouTube videos. With Pointwise, discovering the best credit card strategy for your unique spending habits and preferences has never been easier. ### 1.0.33 — 2025-02-11 Struggling to find the perfect credit card? Say goodbye to endless blog posts and YouTube videos. With Pointwise, discovering the best credit card strategy for your unique spending habits and preferences has never been easier. * UI fixes --- *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 2026-06-10.*