You're not getting the most from your credit cards.
Credit card rewards are too complex to optimize by hand. Poiiints analyzes 14.5 million card combinations against your real spending to build the custom stack — cards that work together — that earns you the most.
Try it
Set your rough monthly spend.
Sample recommended stack
Estimated rewards
$1,122/yr
Sample result — your real stack is personalized to your actual transactions.
How it works
From sign-up to your best stack in minutes
Connect your accounts
Securely link your banks through Plaid — read-only, no credentials stored.
We read your real spending
Your actual transactions, categorized automatically across your wallet.
Get your custom stack
The cards that, together, earn you the most on the way you actually spend.
The stack
14.5 million combinations.
One best stack.
The best card for groceries isn't the best card for travel. Poiiints scores every combination of cards and finds the small set that works together — each card covering the categories it wins, so no purchase is left earning less than it could.
Combinations analyzed
1
→ your best stack
Honest value
Only the value you'll actually use.
A $695 card isn't worth $695 to everyone. Poiiints values each card honestly — the welcome bonus, the statement credits you'll really use, and the points you'll really earn, minus the annual fee — so the number you see is the number you'll keep.
Personalized
Built around your actual spending.
No generic “best cards” lists. Poiiints reads your real transactions to learn where your money actually goes — groceries, dining, travel, everything — and factors in upcoming trips and big purchases so your stack is ready before you swipe.
Security
Your financial data, protected.
We take security seriously. Your data is encrypted, your credentials are never stored, and you have full control over your information.
End-to-end encryption
All data is transmitted over HTTPS and encrypted in transit and at rest.
No stored credentials
Your bank login is handled entirely by Plaid. We never see or store it.
Session authentication
Secure session-based auth with one-time codes. No passwords to leak.
You control your data
Request access, correction, or deletion of your data at any time.
Ready to find your best stack?
Get started with Poiiints and stop leaving rewards on the table. Setup takes less than 2 minutes.