Pointfolio vs CardTrack

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

CardTrack is the smartest way to manage every credit card benefit you already have — statement credits, bonus points, merchant offers, travel credits, lounge access, and more. Stop leaving money on the table. Most cardholders forget 30–40% of the credits their annual-fee cards include. CardTrack fixes that with automatic expiration reminders, a real-time dashboard, and an instant "best card for this purchase" lookup. -- WHAT YOU CAN DO ---------------------- ▸ Track Any Reward Type Log statement credits, cash back, multiplier bonuses, travel credits, lounge access, and custom rewards across every card in your wallet. ▸ Never Miss an Expiration Set smart notifications for any reward — get alerted 7 days before a credit expires. Recurring benefits (monthly, quarterly, annual) automatically reset so you always know what's still available. ▸ Find Your Best Card Instantly Select a spending category — Dining, Travel, Gas, Groceries, Airlines, Hotels, Streaming, Online Shopping, Pharmacy, Transit — and instantly see which card in your wallet earns the most points, miles, or cash back. ▸ Manage Your Entire Card Vault Keep a clean record of every card you own with issuer logos, reward currencies, and category-level multipliers. Add, edit, or remove cards at any time. ▸ 100% Private & Offline-First All data lives on your device in a local SQLite database. No account required. No data shared with servers. No ads. Ever. ▸ Dashboard at a Glance See your total reward value, upcoming expirations, card count, and a snapshot of active vs. redeemed rewards the moment you open the app. ▸ Smart Onboarding Start in seconds. Choose from a curated list of popular cards (Amex Platinum, Chase Sapphire Reserve, Capital One Venture X, and dozens more), then customize exactly which benefits to track before you even reach the home screen. ▸ Expiring Reward Alerts Surfaces every upcoming reminder sorted by date, so nothing sneaks up on you before your billing cycle or expiration cutoff. -- SUPPORTED ISSUERS ---------------------- American Express · Chase · Capital One · Citi · Discover · Bank of America · Wells Fargo · Barclays · Brex · US Bank · PNC · PenFed · Synchrony · FNBO · and more. -- SPENDING CATEGORIES ------------------ Dining · Travel · Gas · Grocery · Entertainment · Online Shopping · Pharmacy · Hotels · Airlines · Streaming · Transit · Other -- PRIVACY FIRST ------------------------ CardTrack never asks for your card numbers, login credentials, or any financial account access. Everything is stored locally on your device. Download CardTrack today and start getting full value from every card in your wallet.