You're probably swiping the wrong card. We do the math.
PointsBrain is the answer engine for your wallet: which card, every time — priced in dollars, using conservative point values, with the math shown.
How much are you leaving on the table?
Pick the cards you hold — and add any card we don't list, from a secured starter card to an obscure credit-union one — plus roughly what you spend. We compare your one-card habit against the best card you already own for each category. No sign-up, no bank link.
More ways to do the math
Card duel
Any two cards, head to head on your real spend — per-category winners, net of annual fees.
Best card by category
Every card in the catalog ranked for dining, groceries, gas, or travel — by math, not payouts.
Transfer partners
Every Chase, Amex, Citi and Capital One transfer partner — ratios, live bonuses, one verified table.
Point valuations
What a point is actually worth: conservative floors, explained, for every currency we model.
Why this site is different
Nobody pays for placement
Affiliate payouts carry zero weight in rankings — a rule we can't quietly bend, because the ranking is computed, not written. Disclosure.
Floor values, not fantasy math
Points are valued at what you can reliably get (1.25¢ transferable, 1¢ cash), not the 2¢ "up to" values that inflate every listicle. The floors.
We tell you when not to play
Carry a balance? Every tool here refuses to show you card recommendations, because interest beats any rewards rate. No other card site leads with that.
Every number shows its work
Each fact traces to an issuer or regulator source with a verification date, and the math is printed next to the answer. Methodology.
The full answer engine is in the works
Card-linked offers, shopping portals, transfer windows, and a missed-rewards audit — one answer at every purchase. Leave your email and we'll write when there's something real to try. No spam, no selling your address.