
ABOUT POINTSMAGNET
What It Can Do
PointsMagnet helps you earn maximum transferable travel points from credit cards. The key difference is the bottom-up analysis of your spend across ~20 travel cards to find best combinations of 1 and 2-card setups without any sponsors or bias. You get full reports and levers to fine tune results. Additional tools will help you compare Hotel/Airlines cards, find best cards for any category, and get custom quick reference guide on which card to use for max points.
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Get a ranked list of best travel cards tailored to your spend including Bilt2.0!
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Get a list of 132 two-card combos. Find best complement to your current card!
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See theoretical limit of points that's possible to earn with your spend.
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Compare points earned if booking Hotels/Air direct vs bank travel portals.
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Click on sample report to see entire demo before gathering any spend data!
New! Bilt2.0 Calculator with Bilt Cash:
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Get a ranked list of 4 Bilt2.0 cards in combination with top travel cards.
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Each combo surfaces max possible points (from 256 possibilities).
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See which categories to use Bilt for to max out housing points.
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Get excess Bilt Cash report.
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Helps choose between Bilt Cash and Spend Tier options.
Hotel/Airline Value use cases:
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Compare the Big 3 Hotels & Airlines to each other by effective cash back/value.
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See how status, booking channel, and fare type affect the value of each card.
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Use expert mode to customize point values (cpp) to reflect your use cases.
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Compare the amount of points earned with branded cards vs bank cards
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Instantly find best cards in 12 travel/daily categories.
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See differences in booking hotels & airfare directly vs bank travel portals.
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Find best travel cards to use at Grocery stores, Costco, and Gas stations.
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Screenshot your existing cards to make a reference guide for best cards to use.
Limitations
Info could be out of date. Check current T&Cs of any card that’s presented. PM should not be used to calculate cashback.
Not every card combo is shown. To elevate high quality pairs, the following 2 types are hidden:
1/ Two cashback cards from different banks since each would require additional travel card to convert cashback to points/transfer points to hotel/airline.
2/ Travel card plus a cashback card from a different bank.
Excluded examples: Citi Double Cash + Cap1 Savor or Cap1 Venture X + WF Active Cash.
Point values, fees, or “effective fees” due to credits are not considered. The calculation is strictly maximizing points, you can use filters to optimize fees. I would argue Cap1/Chase/Amex/Bilt/Citi have similar point values while WF is slightly less.
Calculation is based on ~20 personal travel cards that earn transferable points. Bank of America / US Bank don’t have such cards and not covered.
In rare cases cashback cards such as Freedom Unlimited or Savor could be your top card, you would need to pair it with its travel companion: Sapphire or Venture respectively to convert cashback to travel points.
Only currently available cards are used. Chase Freedom Flex and Citi Custom Cash are excluded. They have low spend limits, rotating categories, or can be used in 1 category only. Both are usually best as 3rd card. Strata Elite dining is always 3x.
Calculator does not enforce category spend limits of AMEX Gold / Bilt. Gold earns 4x on first $50k/$25k restaurant/grocery spend, 1x after. (If your spend is above that, get 2nd Gold card or switch to Savor / Strata Premier). Bilt card has a $25k grocery limit.
Update History
March 2026:
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Pages: Hotel Cards Value
Change: Hyatt devalues to 1.6cpp and Marriott to 0.7cpp
February 2026:
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Pages: Main Calculator, Airline & Hotel Cards Value
Change: Bilt Cards earn +2pts for Hotel and +1pt for Flight PORTAL bookings
January 2026:
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Pages: Main Calculator & Compare Cards
Change: Added 3 new Bilt2.0 cards
December 2025:
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Pages: Airline Cards Value
Change: AA Basic econ now earns 0 points (like Delta)
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Pages: Hotel Cards Value
Change: Amex Platinum comes with Gold/L2 Status for Hilton/Marriott. Auto applied the Gold earnings rate to lower statuses for direct bookings