About PointsBrain

PointsBrain exists because most people leave real money on the table every year — not from lack of effort, but because rewards are deliberately confusing. Our job is one thing: at any spend moment, compute the single best action — which card, which portal, which offer, points or cash — and price it in dollars.

How we're different

• Recommendations are never for sale. If we ever earn affiliate revenue, it will carry zero weight in what we recommend, and payouts will be disclosed in dollars next to any affiliate link.
• Conservative by default. Point values use floor valuations, so we'd rather understate your gains than flatter you.
• We show our math. Every number traces to a fact sheet with a source; see the methodology page.

Automation disclosure

PointsBrain is built and operated with substantial automation, including AI systems that write code and content under strict fact-verification rules. Every published number must come from a verified fact catalog — never from a model's memory. If you find an error, please report it; corrections take priority over all other work.

Not financial advice

PointsBrain is educational software. We don't know your full financial situation, and rewards never outweigh interest: if you carry a balance, paying it down beats any rewards strategy. Verify terms with your issuer before making decisions.