The right card at checkout. Every time.
Pointalize shows which card in your wallet earns the most, tracks credits and caps, and adds up what you save. No bank login.
Free on iOS and Android. Card catalog for the United States, Canada, and Germany.
Three steps, no bank login
Add the cards you carry, check the Finder at checkout, and watch the savings add up.
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Add your cards
Pick them from the catalog. No account linking, no credentials.
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Ask the Finder
Choose a merchant or category and see which card earns the most.
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See what you saved
Monthly Saved compares rewards and credits with your annual fees.
Everything your wallet should tell you
Know which card to tap before you pay
Search a merchant or pick a category. Pointalize ranks the cards you hold by what they earn.
- Merchant search and category chips
- Next-best card in your wallet at a glance
Spot the purchases that went on the wrong card
Every purchase shows what it earned and what a better card in your wallet would have earned.
- Add purchases by hand or scan a receipt
- Automatic capture via Apple Shortcuts on iPhone and bank alerts on Android
All your cards, with fees and real value
Add the cards you hold from the catalog and see earn rates, annual fees, and the next renewals in one place.
- Keep-or-cancel view before each renewal
- No bank account linking, no credentials
Proof that your fees pay for themselves
The scorecard sets the value you get from rewards and credits against the annual fees you pay.
- Fee coverage, month by month
- Credits that expire soon, sorted by value
Use the credits you already pay for
Statement credits with reset cycles, category caps, and signup-bonus spend progress in one list.
- Progress for every credit and cap
- Reminders before a credit expires with Pro
Your bank stays out of it
Pointalize never asks for bank passwords. Activity capture runs on your device.
- No bank loginCards come from the catalog
- On deviceNotification capture and receipt scan
- 3 marketsUnited States, Canada, Germany
Learn the rules before you apply
Independent card reviews and guides. Ratings are not paid.
All guides
Guides hub
Rewards, application rules, fees, and credit basics in one place.
Points
Travel points explained
Earning, valuing, and booking with points and miles.
Travel
Points and travel
Alliances, award availability, transfers, hotel points versus cash.
Benefits
Card benefits
Travel insurance, trip delay, cell phone protection, lounge access.
Basics
Beginner’s guide to credit cards
How cards work and how to choose a first card.
Glossary
Glossary
Utilization, 5/24, statement credits, category caps, APR.
Questions
Do I need to connect my bank?
No. You add cards from the catalog. Pointalize never asks for bank credentials.
Which countries are supported?
The card catalog covers the United States, Canada, and Germany.
How does Activity know what I bought?
You add purchases by hand, scan a receipt, or set up on-device capture (Apple Shortcuts on iPhone, bank notifications on Android). All of it stays on your device. See the setup guide.
What does Pro add?
Credit, annual-fee, and retention reminders, the full scorecard, and higher wallet limits. Pro is available monthly or annually. See Pointalize Pro.
Make your next purchase count
Free download. Upgrade to Pro only if the reminders pay for themselves.