Smart Credit Ledger vs Pointfolio

Every card in your wallet came with a date attached to it. An annual fee that posts on a day you don't remember. A sign-up bonus with a spending window that quietly runs out. A renewal worth keeping, and one that isn't. Add a second person to the household and it doubles. Most of the time you find out afterward. The fee is already on the statement. The bonus is already gone. Smart Credit Ledger gives you one place to keep all of it. Every card, every annual fee, every renewal date, every bonus deadline — organized, and reminding you before the date arrives instead of after. See what a card actually costs you each year, what's coming up next month, and whether it's still worth carrying. If you're managing cards for more than yourself, you can track the whole household together. Add family members, keep their cards alongside yours, and see application timing and issuer rules in one view before anyone applies for something new. And because it's your financial information, it stays yours. No account connections. No linking your cards. No login credentials handed over to anyone. Everything lives on your device, and you can export it whenever you want to move it somewhere else. Try it free for 30 days. After that it's a one-time unlock — no subscription. Smart Credit Ledger — know the date before it costs you.

Stop Leaving Money on the Table. Most loyalty program members lose up to 30% of their potential value simply by transferring points at the wrong time. In the complex world of global arbitrage, 10,000 points isn't just a number, it’s the difference between an Economy seat and a First Class suite. Pointfolio is the high-conviction tool designed for power users who refuse to settle for average redemptions. We’ve built the "Terminal" for your loyalty portfolio. The Real-Time Edge The loyalty landscape moves fast. Pointfolio ensures your math is always current, mapping the latest program devaluations and status qualifying shifts as they happen. Whether you are navigating tiered transfer rates for Esfera or the evolving Revolut RevPoints ecosystem, Pointfolio keeps your strategy precise. 100+ Global Partners at Your Fingertips Stop jumping between 20 different bank apps and airline portals. We’ve unified the most powerful ecosystems in the world: USA: Amex Membership Rewards, Chase Ultimate Rewards, Capital One, Citi ThankYou, Bilt. Brazil: Livelo, Esfera, Itaú Shop (Pontos Itaú), C6 Átomos, Caixa. Global: Revolut RevPoints, Marriott Bonvoy, ALL Accor, and more. Key Features for the "Billionaire" Traveler: Live Arbitrage Alerts: Get notified the second a transfer bonus goes live across major global carriers and hotel chains. The SpendEngine: Input your spend and instantly see which card/program path yields the highest ROI for your specific goal. Tiered Intelligence: Our calculator automatically adjusts for your status. Whether you’re a Club member or an Elite holder, Pointfolio knows your specific rate. Activity Insights: Log your transfer simulations and history to visualize your wealth growth and optimization score over time. Security First. Passwords Never. We believe your financial privacy is non-negotiable. Zero-Password Policy: Pointfolio never asks for your bank or airline login credentials. Local Calculation: All sensitive arbitrage math is handled with total transparency. Your Data, Your Business: We provide insights; you keep the control. Why Pointfolio? Because "Standard" is a choice. Whether you’re optimizing spend in São Paulo or leveraging miles in New York, Pointfolio provides the mechanical precision needed to travel better, stay longer, and spend smarter. Download Pointfolio today and turn your points into a high-yield asset. Terms of Use: https://pointfolio.co/terms Privacy Policy: https://pointfolio.co/privacy