SpotFunds vs Points Vault

Skip the math. Your bank tells you how much money you have. It doesn't tell you how to make your money last between paydays. SpotFunds is built for that. Always with you. Knows you. Speaks before you spend. It's a spending coach, not a budget tracker. It learns how you spend, builds a pace that's personal to you, and speaks up before you spend. So when it's a day to ease off, you'll know before you leave the house. And when it's a day to go have fun, you'll know exactly how much fun you can afford. Think of a pace like a budget that moves with you. Instead of one fixed number you're trying not to break, SpotFunds tells you what's actually safe to spend right now. That's your Ready-to-Spend® amount, and it exists so you make it to payday with room to breathe. You log what you buy. This keeps you aware of your spending, and it's how the coach learns from you so it can help before you spend instead of just giving you a report after the money's already gone. ALWAYS WITH YOU Your pace on your Home Screen — and on your Mac desktop, nothing to install. One glance, no math. On the way out the door, just ask: "Hey Siri, ask SpotFunds if I can do happy hour Friday." Tell it to log a coffee without opening the app. And pull down on your Home Screen, type "coffee," and your paces, spots, and purchases are right there in Spotlight. Amounts are never indexed. KNOWS YOU The more you log, the sharper the coach gets at your routines: the Friday coffee, the weekend that runs a little high, the work lunches that pile up. Search any pace, spot, or purchase the way you'd say it: "Starbucks last week," "groceries on Wednesday", "eating out last week." SPEAKS BEFORE YOU SPEND A read on your pace first thing in the morning, so if it's a day to ease off, you know before you leave the house. Nothing to remember to check. Turn on SpotCheck, and a quiet heads-up of your Ready-to-Spend® arrives the moment you get somewhere you usually spend, and before you order. Because SpotFunds knows the days and times you actually spend money it offers a more precise heads up when it is needed. So, no constant notifications. They are timed for when you need it. …AND ANSWERS WHEN YOU ASK Thinking about lunch? Tap an amount on the Today tab and see what it does to your pace before you commit. "Can I get lunch today?" "What about coffee?" "What if I spend $40 this weekend?" Your coach already knows your paces, your payday cycle, and your patterns, so you can just ask — in plain language, the way you'd ask a friend who's good with money. Requires Apple Intelligence. Private by design. SpotFunds learns on your iPhone, so nothing about you is collected. When you ask the coach a question on the latest iPhone software, it can use Apple's private cloud for a moment to work out the answer: only your question and the few facts needed to answer it are sent, nothing is stored — not by us, and not by Apple — and your location data is never sent. Know what you can spend before you spend it.

Know which credit card to use for every purchase — and what your points and miles can actually book. Points Vault keeps your cards, points and airline miles in one place. Tap the cards you have and it shows the best card for groceries, dining, gas and travel, every airline and hotel your points can reach, and how many points a flight costs. No account needed — sign in only if you want your data on more than one device. THE BEST CARD FOR EVERY PURCHASE Answer a few questions about how you spend, and the Optimizer recommends the best one, two or three cards within your annual-fee budget — cash back or travel rewards, your choice. SEE WHAT YOUR POINTS CAN BOOK Pick a route and a cabin. Points Vault compares published award charts from 12 airline programs and shows which of your points to transfer, and how many. NEVER MISS A TRANSFER BONUS Limited-time bonuses from Chase, Amex, Capital One, Citi, Bilt and Rove appear automatically, with their end dates, and are counted in your award search results. KNOW BEFORE YOUR MILES EXPIRE Enter your balances and the expiry tracker shows which miles expire first, and when. WALLET Every card, points currency and loyalty program in one place, with transfer ratios shown the same easy way (for example 1,000 → 750). TIPS Short, practical guides on getting more from your points, updated regularly. INCLUDED - 45 credit cards from Chase, Amex, Capital One, Citi, Wells Fargo, US Bank, Bank of America and Barclays - 47 airline, hotel and rail programs, including Amtrak Guest Rewards - Earning platforms: Bilt Rewards, Rove Miles and Rakuten - Statement import and spending budgets, processed on your iPhone - Card offers, transfer partners and bonuses refresh automatically — no app update needed - Optional sign-in with Apple or email to keep your data on more than one device Award prices come from each airline's published charts. A chart shows what a seat costs, not whether one is available — always check with the airline before transferring points, because transfers can't be reversed.