Running the honest math…
You tell it a trip, it gives you one honest answer: use your points, get a specific card, or just pay cash. The conservative math is shown so you can check it. This page walks through every tool and answers the common questions. If something here doesn't match the site, trust the site: offers change, and we'd rather you confirm the live number.
One honest verdict
Use points, get a card, or pay cash
Every number auditable
Shown in full, traced to the data
No account needed
Your wallet stays in your browser
No account, no email required. The single most useful thing you can add is the real cash price you see for the flight or stay. It improves the cash-price input; award prices and availability still need checking.
Every tool gives the same kind of honest answer; they just start from different questions.
How to read it: The big verdict up top is the answer; the math sits right under it. Adding the cash price you see improves that input; award prices and availability still need checking.
How to read it: Enter the cash and points price for the same stay or seat; it grades the cents per point against an honest baseline and tells you which to take.
How to read it: The directory shows recorded fees, bonuses, programs, and labeled estimates. Card picks and rankings appear only among cards with current issuer-checked terms. Other cards remain labeled estimates.
How to read it: Choose two cards or build a lineup to compare issuers, fees, and programs. Rankings, value comparisons, and winners are withheld while any selected card's terms are under re-review.
How to read it: See listed annual fees and explore points programs. Category winners and combined wallet estimates appear only when all selected cards have current issuer-checked terms.
How to read it: Each lists the points it takes (a planning estimate), the program to book through, and the honest catch. Knowing which program to use is the useful part.
How to read it: See estimated award costs and example fare thresholds. Enter your actual fare and points balance for a personalized estimate; prices and availability still need checking. Card picks and rankings appear only among cards with current issuer-checked terms. Other cards remain labeled estimates.
Cents per point, and the grades
Confidence (high / medium / low) reflects how sure we can be about the cash price the verdict is built on. The single best way to raise it: paste the real cash price you see. A live number beats any estimate we generate.
A few things that surprise people, explained honestly.
Still stuck, or want to go deeper?