Best Credit Card Rewards Tracking Apps and Award Flight Search Tools

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Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"Best credit card rewards tracking apps and award flight search tools","alternativeHeadline":"Track your credit card rewards and book the best award flights with the best apps and tools in 2024","image":{"@type":"ImageObject","url":"https://i.insider.com/61d5b26e5a119b00184b184f?width=1200&format=jpeg","width":1200,"height":900},"name":"Track your credit card rewards and book the best award flights with the best apps and tools in 2024","datePublished":"2024-07-18T18:52:04Z","dateModified":"2024-08-21T18:58:58Z","description":"These are the best apps for tracking credit card points, miles, and cash back, and these new award flight search tools help maximize your rewards.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews.How do you keep track of how many points or miles you have? Some people use spreadsheets, while others log into various bank, airline, and hotel websites to track them individually. But the smartest award hounds are using these popular tools to maximize their rewardsPlaying the credit card game can be insanely rewarding. Racking up points and miles, scoring huge sign-up bonuses, and earning outsized cash-back percentages can feel like winning the lottery.However, keeping up with the rules of the game can also be challenging. Bonus categories can change every few months, sign-up thresholds can fade to the back of your mind, and travel transfer partners and rates are ever-changing. If you're struggling to keep all those numbers straight, consider one of the apps we recommend below.You've worked hard to earn your rewards, so you'll want to keep them safe and make sure they get used before they expire — ideally at maximum value. Here are some questions to keep in mind as you consider different tracking tools.In a perfect world, the ideal app would integrate with every rewards program you use and tell you the best credit card to use each time you pull out your wallet to make a purchase. But no such tool exists as of today, so many dedicated award hounds use a combination of the apps below to track all of their credit card rewards.Some tools, like CardPointers, link to major issuers such as Chase, Amex, Capital One, and Citi to update you on offers specific to your credit cards. Others, like AwardWallet, help you track every loyalty program and rewards system you use, from travel companies to retailers. As with any fintech tool, there's some measure of risk involved in sharing your financial information. Credit card tracking apps integrate with your issuers to pull data from your credit card usage, so make sure you understand what each company offers in terms of security before you share your bank credentials. Cost: Freemium — Free version works for most. AwardWallet+ $30/year.If you're considering a reward tracking app, AwardWallet is something of a holy grail. This tool monitors nearly 700 loyalty programs and has well over half a million users. From the big names like Chase Ultimate Rewards and American Express Membership Rewards to hotel chains, cruise lines, rental car companies and even retailers like Sephora, this service covers every angle of the rewards game.Cost: Freemium — Free version works for most. Premium is $6.99/month, $59.99/year, or $199.99 lifetime CardPointers is a relatively new app that helps you track, manage, and maximize every credit card you own — as long as you take the time to fully set up your account, of course. This tool's standout feature is its ability to integrate with Amex and Chase to help you add special offers to specific credit cards in your account. Amex Offers, for example, can be legendary for generous cash back rewards with certain merchants. But you have to add individual offers to your targeted credit card, then make the required purchase on that specific card in order to earn your offer bonus.CardPointers eliminates the need for all of that tapping and pecking: When you link this app to your credit card accounts, paid members can bulk-add all offers to their credit cards, while free-version members can add them more efficiently than they would on the issuers' websites or apps. If you install the browser extension, CardPointers will suggest which card to use when you visit various retailer websites. CardPointers is highly customizable, with a sleek, clean interface that's easy to use. You can manually add each card you own, or sync the app to your accounts and let it suggest cards for you to include.If you use the correct name for each credit card, CardPointers will automatically input its bonus categories, earn rates, and offer suggestions on which card to use for your next purchase. It even includes sections to input your card anniversary so it can remind you when anticipate a bonus or consider closing the card, and helps you track your progress toward welcome offer requirements.Default browser extension card suggestions can feel intrusive at times, although you can personalize these settings in your account preferences. Cost: Free for everyoneAs the name suggests, Travel Freely is all about traveling without spending any money on the actual trip. The app's bold promise is that you can get more than $2,000 every year by using it, and the big differentiating point with this tool is the ability to track up to two users. So if you and your \"Player 2\" are both racking up points and miles to put toward big vacations each year, this is a good way to collaborate. The main feature of this app is the ability to track when credit card annual fees are approaching, when a bonus deadline is near, and when you're close to exceeding the Chase 5/24 rule (opening five new cards in 24 months). It's a relatively simple app, and it comes with a CardGenie tool that helps recommend the next card to add to your wallet.Only focused on travel — so not a great pick if you're looking for cash backCost: Freemium — Free version works for most. MaxRewards Gold $7/month or $84/year (with sliding scale discounts)Most credit card rewards tracking apps are solely geared to monitor how your points are piling up. However, MaxRewards sets itself apart with a running progress bar of the credit card balance you're carrying, and your credit utilization ratio. This can be especially valuable in avoiding the temptation to focus on growing your rewards balance, rather than on paying your outstanding balances in full each month, which keeps your credit score healthy.You'll also benefit from the company's auto-recommendation tool when you're deciding what card to use at certain merchants. For example, if your card currently has a 5x bonus at grocery stores, the app will tell you when you're ready to pay to make sure you don't use a different — and less-rewarding — card.MaxRewards also comes up big in one of the small, often-overlooked elements of today's credit card landscape: opt-in offers. Programs like Chase Offers and Amex Offers typically require cardholders to manually activate a new discount opportunity, but the company will automatically activate all those savings for MaxRewards Gold members. Read more: What are points and miles worth? Our complete valuationsTracking apps are helpful for managing your rewards, but redeeming them effectively is another matter. You know best what matters to you in terms of benefits, whether that's cruising the Caribbean or flying first-class to Japan. Keep these considerations in mind when it comes to using your rewards.Your rewards are essentially another form of currency, and deserve to be monitored the same way. Check your points balances from time to time, just like you would track cash in your bank account. Are you earning what you should from recent transactions? Are you suddenly missing some points? Do any of them have expiration dates coming up that require some attention? Rewards tracking apps should help you simplify this chore, but it's still up to you to protect what's yours. Your tracking app can be one of the best ways to maximize rewards. But if you prefer to keep things old-school, many people stick labels or stickers onto their credit cards to help themselves — and their families — remember which card is for groceries, which one is for dining out, which is for travel, and so on. Whatever system you choose, find one that works for you and stick with it.Most of us aren't world-class experts on airline transfer partners and open-jaw tickets, but these new tools we review below can help everyday people get better returns on travel rewards. Cost: Freemium — $5 for one-day pass, standard plan for $12/month or $129/year, premium plan for $260/year. Concierge services available for an additional fee. Certain Amex cardholders get free access. Point.me can reduce many of the hassles of comparing options, and introduce you to opportunities you didn't even know existed. Free for eligible Amex cardholders: As of March 2024, certain American Express cardholders can use point.me for free by enrolling through this link. Rather than going through the maze of manually comparing different transfer options for your points, this tool syncs with all of the major card programs to help you easily see how you'll be able to get the best deal. point.me regularly finds economy redemptions worth 6 to 8 cents per mile, and first- and business-class deals top out with some serious value in the neighborhood of 24 cents per mile.If you aren't used to paying for award search assistance, you'll have to acclimate to this platform's price tag. You can buy a day pass with unlimited searches for $5, or subscribe on a monthly basis for $12 (or get a 10% discount if you opt for an annual bill of $129). But if you're sitting on hundreds of thousands of points, that investment can help you maximize your rewards before they expire or devalue.Cost: Freemium — Free version works for most. Basic version $109.99/year, business version $3,499.99/year.Award travel search tools have proliferated since revenge travel boomed post-pandemic. Roame was initially designed for award travelers who didn't want to pay a monthly subscription fee for point.me. (Of course, Roame now offers a premium subscription plan, and some cardholders can now access point.me for free.)Roame is great for coaxing friends and family to expand their points and miles travel, since the clean, simple layout is all but fool-proof. Simply pop in your departure and arrival cities, desired departure date, and choose whether you're flying in economy or business/first class. The algorithm spits out a list of options, and you can filter or sort your search results by travel length, price, and departure time. Roame even helps you figure out which loyalty program is a transfer partner for the airline operating each flight, so you can quickly see if you can book that redemption or not. Cost: Freemium — Pro version is $9.99/month or $99/yearDeal hunters and regular travelers travel differently: Most people book flights based on their availability, while sale-seekers plan their trips around great travel deals. Seats.aero isn't as sleek-looking as Roame, but it's far more powerful in other ways. This tool allows you to search award flights by city, region, country, and even continent to find the best, elusive deals on award travel sweet spots in economy, premium economy, business class, and even first class. Business Insider experts have flown in first-class cabins from Asia to North America for less than 100,000 points, and spent nearly 24 hours in Singapore business class for the cost of a single welcome bonus. Seats.aero offers a paid version with access to premium search capabilities such as looking up flights more than 90 days in advance. But the free version will be more than sufficient for most beginner and advanced award travelers.Cons:Points Path requires the least amount of work out of every tool listed in this guide. Simply download this nifty little Chrome browser extension, then open Google Flights and run a flight search as usual. A new field will pop up in your search results, showing you how much each flight costs in miles or points and pointing an arrow toward the better deal. Points Path has some limitations — it doesn't search all major airlines or work well with alliance partners yet, so you'll have to manage those redemptions independently. But it's fantastic for quickly evaluating your next trip budget, eliminating the cash vs. points dilemma of calculating the value of your rewards. You can also use Points Path to help you understand which rewards program or welcome offer you should target next. CardPointers manages all of your credit cards within a single app. It tracks your progress toward new welcome bonuses, shows how much you pay in annual fees each year, suggests the best card to use for different purchases, and tallies the total value you can maximize from your credit cards.A good rewards tracking app should help you maximize your credit card rewards, keep track of expiration dates and upcoming annual fees, and help you take advantage of special offers that are available.Many credit card tracking apps integrate with your bank accounts. Carefully research any financial institution's policies on digital security before you submit any confidential information. A number of new tools help travelers search for award flights. Points Path is a Chrome browser plug-in that integrates with Google Flights that shows the miles cost of a flight next to the cash price, and automatically suggests the better deal for you. Other tools like point.me, seats.aero, and Roame search dozens of airlines at once to find the best or lowest-priced flights on points or miles.","articleSection":"Personal Finance, Credit Cards","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What is the best app to track credit card rewards?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">CardPointers manages all of your credit cards within a single app. It tracks your progress toward new welcome bonuses, shows how much you pay in annual fees each year, suggests the best card to use for different purchases, and tallies the total value you can maximize from your credit cards.</p>"}},{"@type":"Question","name":"What makes a credit card rewards tracking app stand out?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">A good rewards tracking app should help you maximize your credit card rewards, keep track of expiration dates and upcoming annual fees, and help you take advantage of special offers that are available.</p>"}},{"@type":"Question","name":"Is it safe to share my credit card information with rewards apps?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Many credit card tracking apps integrate with your bank accounts. Carefully research any financial institution's policies on digital security before you submit any confidential information. </p>"}},{"@type":"Question","name":"Can I search for flights using points and miles?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">A number of new tools help travelers search for award flights. Points Path is a Chrome browser plug-in that integrates with Google Flights that shows the miles cost of a flight next to the cash price, and automatically suggests the better deal for you. 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data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Credit Cards </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-cash-back-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Cash Back Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-rewards-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Rewards Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-travel-rewards-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Travel Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-zero-interest-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best 0% APR Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-balance-transfer-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Balance Transfer Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-starter-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best First Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-small-business-credit-card" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Business Credit Cards </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/insurance" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Insurance </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/auto-insurance/best-car-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Car Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/homeowners-insurance/best-homeowners-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Homeowners Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/life-insurance/best-life-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Life Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/pet-insurance/best-pet-insurance" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Pet Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/homeowners-insurance/best-renters-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Renters Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/travel-insurance/best-travel-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Travel Insurance </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/banking" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Banking </a> <ul class="hub-nav-dropdown"> <li 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Student Loan Refinance </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/mortgages" data-track-click="{"product_field":"pfi_mortgages","event":"navigation","element_name":"helpfulness_navbar"}" > Mortgages </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/mortgages/best-mortgage-lenders" data-track-click="{"product_field":"pfi_mortgages","event":"navigation","element_name":"helpfulness_navbar"}" > Best mortgage lenders </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/mortgages/best-mortgage-refinance-lenders" 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role="main" > <section id="l-content" class="is-right-rail content-with-sticky-toc" data-track-page-area="Post" data-post-content > <section class="row"> <div class="col-12"> <article class=""> <section class="post-headline-wrapper " id="post-headline" > <div class="post-meta"> <span class="post-breadcrumbs headline-regular "> <a href="/personal-finance" class="" data-track-click="{"product_field":"Personal Finance","element_name":"breadcrumbs","event":"navigation"}" > Personal Finance </a> <svg class="svg-icon chevron-icon post-breadcrumbs-chevron rotate270" data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#0a0a0a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg> <a href="/personal-finance/credit-cards" class="" data-track-click="{"product_field":"Credit Cards","element_name":"breadcrumbs","event":"navigation"}" > Credit Cards </a> </span> </div> <h1 class="post-headline ">Track your credit card rewards and book the best award flights with the best apps and tools in 2024</h1> </section> <section class="byline-wrapper byline-wrapper-helpfulness "> <div class="byline " data-e2e-name="byline" > <div class="byline-content" data-e2e-name="byline-content" > <div class="byline-row"> <div class="byline-author-container"> <div class="byline-author headline-regular"> <span class="headline-regular">Written by</span> <span class="" data-e2e-name="Katherine Fan" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/katherine-fan" >Katherine Fan</a><span class="headline-regular">;</span></span> <span class="headline-regular">edited by</span> <a class="byline-link byline-author-name" 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rewards is easier with the right tools.</span> <span class="image-source-text"> <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText" > EmirMemedovski/Getty </span> </span> </figcaption> </span> </figure> <div class="typography sticky-toc-post-wrapper"> <nav class="sticky-toc js-sticky-toc-dropdown hide-menu headline-semibold helpfulness-mobile-toc" data-component-type="sticky-toc" > <div class="sticky-toc-title-wrapper helpfulness-mobile-toc" > <div class="helpfulness-mobile-toc-title"> <span class="helpfulness-mobile-toc-jump-to">JUMP TO</span> <span class="headline-regular helpfulness-mobile-toc-section">Section</span> </div> <div class="sticky-toc-dropdown-button js-sticky-toc-dropdown-button"> <span class="sticky-toc-arrow"><svg class="svg-icon chevron-icon " data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg></span> </div> <menu class="sticky-toc-dropdown helpfulness-mobile-toc"> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#features-to-look-for-in-a-rewards-tracking-app-" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Features to look for in a rewards tracking app </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#top-credit-card-rewards-tracking-apps" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Top credit card rewards tracking apps </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#the-best-search-tools-for-booking-flights-on-points-and-miles" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > The best search tools for booking flights on points and miles </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#faqs" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> </menu> </div> </nav> <div class="sticky-toc-aside-wrapper"> <ul class="sticky-toc-aside js-sticky-toc-aside" data-component-type="sticky-toc"> <li> <a href="#features-to-look-for-in-a-rewards-tracking-app-" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Features to look for in a rewards tracking app </a> </li> <li> <a href="#top-credit-card-rewards-tracking-apps" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Top credit card rewards tracking apps </a> </li> <li> <a href="#the-best-search-tools-for-booking-flights-on-points-and-miles" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > The best search tools for booking flights on points and miles </a> </li> <li> <a href="#faqs" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> </ul> </div> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <p class="headline-regular financial-disclaimer">Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/credit-cards/how-we-rate-credit-cards" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate credit cards to write unbiased product reviews</a>.</p><p></p> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><ul class="summary-list"> <li>Credit card reward deadlines, expiration dates, and rotating bonuses can be challenging to remember.</li> <li>The best reward apps track upcoming offers and expiration dates on the credit cards in your wallet.</li> <li>New award travel search tools help you find the best deals on booking flights with points and miles.</li> <li>Read Business Insider's guide to the <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-travel-rewards-credit-cards" data-analytics-product-module="summary_bullets" rel="">best travel rewards credit cards.</a></li> </ul><p>How do you keep track of how many points or miles you have? Some people use spreadsheets, while others log into various bank, airline, and hotel websites to track them individually. But the smartest award hounds are using these popular tools to maximize their rewards</p><h2>Why use a credit card rewards tracking app?</h2><p>Playing the credit card game can be insanely rewarding. Racking up points and miles, scoring <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-current-credit-card-signup-bonuses" data-analytics-product-module="body_link" rel="">huge sign-up bonuses</a>, and earning outsized cash-back percentages can feel like winning the lottery.</p><p>However, keeping up with the rules of the game can also be challenging. <a href="https://www.businessinsider.com/personal-finance/discover-cash-back-calendar" data-analytics-product-module="body_link" rel=""></a><a href="https://www.businessinsider.com/personal-finance/credit-cards/discover-cash-back-calendar" data-analytics-product-module="body_link" rel="">Bonus categories</a> can change every few months, sign-up thresholds can fade to the back of your mind, and travel transfer partners and rates are ever-changing. If you're struggling to keep all those numbers straight, consider one of the apps we recommend below.</p><h2 data-toc-label="Features to look for in a rewards tracking app " id="features-to-look-for-in-a-rewards-tracking-app-" class="toc-anchor">Features to look for in a rewards tracking app </h2><p>You've worked hard to earn your rewards, so you'll want to keep them safe and make sure they get used before they expire — ideally at maximum value. Here are some questions to keep in mind as you consider different tracking tools.</p><h3>Comprehensive rewards management</h3><p>In a perfect world, the ideal app would integrate with every rewards program you use and tell you the best credit card to use each time you pull out your wallet to make a purchase. But no such tool exists as of today, so many dedicated award hounds use a combination of the apps below to track all of their credit card rewards.</p><p>Some tools, like CardPointers, link to major issuers such as <a href="https://www.businessinsider.com/personal-finance/credit-cards/guide-earning-using-chase-ultimate-rewards-points" data-analytics-product-module="body_link" rel="">Chase</a>, <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-ways-to-earn-use-amex-points" data-analytics-product-module="body_link" rel="">Amex</a>, <a href="https://www.businessinsider.com/personal-finance/credit-cards/how-to-earn-and-redeem-capital-one-miles" data-analytics-product-module="body_link" rel="">Capital One</a>, and <a href="https://www.businessinsider.com/personal-finance/credit-cards/guide-earning-using-citi-thankyou-points" data-analytics-product-module="body_link" rel="">Citi</a> to update you on offers specific to your credit cards. Others, like AwardWallet, help you track every loyalty program and rewards system you use, from travel companies to retailers. </p><h3 data-pm-slice="1 1 ["table",{},"table_row",{},"table_cell",{"colspan":1,"rowspan":1,"colwidth":[120]}]">Security and privacy features</h3><p data-pm-slice="1 1 ["table",{},"table_row",{},"table_cell",{"colspan":1,"rowspan":1,"colwidth":[120]}]">As with any fintech tool, there's some measure of risk involved in sharing your financial information. Credit card tracking apps integrate with your issuers to pull data from your credit card usage, so make sure you understand what each company offers in terms of security before you share your bank credentials. </p><h2 data-toc-label="Top credit card rewards tracking apps" id="top-credit-card-rewards-tracking-apps" class="toc-anchor">Top credit card rewards tracking apps</h2><ul><li>AwardWallet: Best for tracking multiple loyalty programs</li><li>CardPointers: Best for managing your wallet and maximizing credit card offers</li><li>Travel Freely: Best for couples earning points together</li><li>MaxRewards: Best for monitoring credit alongside of rewards</li></ul><h3>AwardWallet</h3><p><strong>Cost:</strong> Freemium — Free version works for most. AwardWallet+ $30/year.</p><p>If you're considering a reward tracking app, <a href="https://awardwallet.com/" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">AwardWallet</a> is something of a holy grail. This tool monitors nearly 700 loyalty programs and has well over half a million users. From the big names like <a href="https://www.businessinsider.com/personal-finance/credit-cards/guide-earning-using-chase-ultimate-rewards-points" data-analytics-product-module="body_link" rel="">Chase Ultimate Rewards</a> and <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-ways-to-earn-use-amex-points" data-analytics-product-module="body_link" rel="">American Express Membership Rewards</a> to hotel chains, cruise lines, rental car companies and even retailers like Sephora, this service covers every angle of the rewards game.</p><h4>Pros:</h4><ul><li>Tracks travel plans and sends email alerts about flight delays or other interruptions</li><li>Analyzes spending to make sure you're using the right cards to earn the most points</li><li>Award concierge service can help find your best redemption offer and save you searching and comparison time</li><li>Has approximately 700,000 users and high marks in both the App Store and the Play Store</li></ul><h4>Cons:</h4><ul><li>Premium version costs $30/year</li><li>Concierge service costs $50 search fee per traveler and a $100 booking fee per traveler</li></ul><h3>CardPointers</h3><p><strong>Cost:</strong> Freemium — Free version works for most. Premium is $6.99/month, $59.99/year, or $199.99 lifetime </p><p>CardPointers is a relatively new app that helps you track, manage, and maximize every credit card you own — as long as you take the time to fully set up your account, of course. </p><p>This tool's standout feature is its ability to integrate with Amex and Chase to help you add special offers to specific credit cards in your account. <a href="https://www.businessinsider.com/personal-finance/credit-cards/what-are-amex-offers-available-now" data-analytics-product-module="body_link" rel="">Amex Offers</a>, for example, can be legendary for generous cash back rewards with certain merchants. But you have to add individual offers to your targeted credit card, then make the required purchase on that specific card in order to earn your offer bonus.</p><p>CardPointers eliminates the need for all of that tapping and pecking: When you link this app to your credit card accounts, paid members can bulk-add all offers to their credit cards, while free-version members can add them more efficiently than they would on the issuers' websites or apps. If you install the browser extension, CardPointers will suggest which card to use when you visit various retailer websites. </p><p>CardPointers is highly customizable, with a sleek, clean interface that's easy to use. You can manually add each card you own, or sync the app to your accounts and let it suggest cards for you to include.</p><p>If you use the correct name for each credit card, CardPointers will automatically input its bonus categories, earn rates, and offer suggestions on which card to use for your next purchase. It even includes sections to input your card anniversary so it can remind you when anticipate a bonus or consider closing the card, and helps you track your progress toward welcome offer requirements.</p><h4>Pros:</h4><ul><li>Clean, simple app interface with customizable fields</li><li>Tracks annual fee due dates, progress toward welcome offers, bonus categories, and far more</li><li>Free version provides plenty of benefits and features</li></ul><h4>Cons:</h4><ul><li><p>Default browser extension card suggestions can feel intrusive at times, although you can personalize these settings in your account preferences. </p></li></ul><h3>Travel Freely</h3><p><strong>Cost:</strong> Free for everyone</p><p>As the name suggests, <a href="https://travelfreely.net/" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">Travel Freely</a> is all about traveling without spending any money on the actual trip. The app's bold promise is that you can get more than $2,000 every year by using it, and the big differentiating point with this tool is the ability to track up to two users. So if you and your "Player 2" are both racking up points and miles to put toward big vacations each year, this is a good way to collaborate. <a href="https://www.businessinsider.com/personal-finance/credit-card-strategies-for-couples-how-to-maximize-rewards-2021-2" target="_blank" rel="noopener" data-analytics-product-module="body_link"></a></p><p>The main feature of this app is the ability to track when <a href="https://www.businessinsider.com/personal-finance/credit-cards/how-to-decide-if-credit-card-annual-fee-worth-it" data-analytics-product-module="body_link" rel="">credit card annual fees</a> are approaching, when a bonus deadline is near, and when you're close to exceeding the <a href="https://www.businessinsider.com/personal-finance/credit-cards/what-is-chase-524-rule" data-analytics-product-module="body_link" rel="">Chase 5/24 rule</a> (opening five new cards in 24 months). It's a relatively simple app, and it comes with a CardGenie tool that helps recommend the next card to add to your wallet.</p><h4>Pros:</h4><ul><li>Ability to track two users' credit card reward activity</li><li>Helps stay on top of deadlines and offers suggestions for downgrading cards to avoid annual fees</li><li>Good way to keep track of the potential of applying for too many credit cards in a certain timeframe</li></ul><h4>Cons:</h4><ul><li><p>Only focused on travel — so not a great pick if you're looking for cash back</p></li></ul><h3>MaxRewards</h3><p><strong>Cost:</strong> Freemium — Free version works for most. MaxRewards Gold $7/month or $84/year (with sliding scale discounts)</p><p>Most credit card rewards tracking apps are solely geared to monitor how your points are piling up. However, <a href="https://maxrewards.co/" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">MaxRewards</a> sets itself apart with a running progress bar of the credit card balance you're carrying, and your credit utilization ratio. This can be especially valuable in avoiding the temptation to focus on growing your rewards balance, rather than on paying your outstanding balances in full each month, which keeps your credit score healthy.</p><p>You'll also benefit from the company's auto-recommendation tool when you're deciding what card to use at certain merchants. For example, if your card currently has a 5x bonus at grocery stores, the app will tell you when you're ready to pay to make sure you don't use a different — and less-rewarding — card.</p><p>MaxRewards also comes up big in one of the small, often-overlooked elements of today's credit card landscape: opt-in offers. Programs like Chase Offers and <a href="https://www.businessinsider.com/personal-finance/credit-cards/what-are-amex-offers-available-now" data-analytics-product-module="body_link" rel="">Amex Offers</a> typically require cardholders to manually activate a new discount opportunity, but the company will automatically activate all those savings for MaxRewards Gold members. </p><h4>Pros:</h4><ul><li>Recommends the most rewarding card to use based on bonus categories</li><li>Monitors your card balances and your credit utilization ratio</li><li>Will automatically activate limited-time offers for cardholders</li></ul><h4>Cons:</h4><ul><li>Many negative user reviews indicate the app has struggled with card issuer syncs for years</li></ul><p><em><strong>Read more: <a href="https://www.businessinsider.com/personal-finance/credit-cards/what-are-points-miles-worth-value" data-analytics-product-module="body_link" rel="">What are points and miles worth? Our complete valuations</a></strong></em></p><h2>How to maximize your credit card rewards</h2><p>Tracking apps are helpful for managing your rewards, but redeeming them effectively is another matter. You know best what matters to you in terms of benefits, whether that's cruising the Caribbean or flying first-class to Japan. Keep these considerations in mind when it comes to using your rewards.</p><h3 data-pm-slice="1 1 ["table",{},"table_row",{},"table_cell",{"colspan":1,"rowspan":1,"colwidth":[120]}]">Regularly monitor your rewards</h3><p data-pm-slice="1 1 ["table",{},"table_row",{},"table_cell",{"colspan":1,"rowspan":1,"colwidth":[120]}]">Your rewards are essentially another form of currency, and deserve to be monitored the same way. Check your points balances from time to time, just like you would track cash in your bank account. Are you earning what you should from recent transactions? Are you suddenly missing some points? Do any of them have expiration dates coming up that require some attention? Rewards tracking apps should help you simplify this chore, but it's still up to you to protect what's yours. </p><h3>Keep track of credit card bonus categories and limited-time offers</h3><p>Your tracking app can be one of the best ways to maximize rewards. But if you prefer to keep things old-school, many people stick labels or stickers onto their credit cards to help themselves — and their families — remember which card is for groceries, which one is for dining out, which is for travel, and so on. Whatever system you choose, find one that works for you and stick with it.</p><h3>Learn how to effectively book award travel for the best value</h3><p>Most of us aren't world-class experts on airline transfer partners and open-jaw tickets, but these new tools we review below can help everyday people get better returns on travel rewards. </p><h2 data-toc-label="The best search tools for booking flights on points and miles" id="the-best-search-tools-for-booking-flights-on-points-and-miles" class="toc-anchor">The best search tools for booking flights on points and miles</h2><ul><li>point.me: Best for great deals on last-minute award flights</li><li>Roame: Best for helping newbies find award flights on specific routes</li><li>seats.aero: Best for finding premium redemptions across a wide range of dates and locations</li><li>Points Path: Best for comparing cash vs. points on Google Flights</li></ul><h2>Award travel search tool reviews</h2><h3>point.me</h3><p><strong>Cost: </strong>Freemium — $5 for one-day pass, standard plan for $12/month or $129/year, premium plan for $260/year. Concierge services available for an additional fee. Certain Amex cardholders get free access. </p><p><a href="http://point.me/" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">Point.me</a> can reduce many of the hassles of comparing options, and introduce you to opportunities you didn't even know existed. </p><aside class="quick-tip headline-regular ignore-typography"><p><strong>Free for eligible Amex cardholders:</strong> As of March 2024, certain American Express cardholders can use point.me for free by <a href="https://amex.point.me/" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">enrolling through this link</a>. </p></aside><p>Rather than going through the maze of manually comparing different transfer options for your points, this tool syncs with all of the major card programs to help you easily see how you'll be able to get the best deal. point.me regularly finds economy redemptions worth 6 to 8 cents per mile, and first- and business-class deals top out with some serious value in the neighborhood of 24 cents per mile.</p><p>If you aren't used to paying for award search assistance, you'll have to acclimate to this platform's price tag. You can buy a day pass with unlimited searches for $5, or subscribe on a monthly basis for $12 (or get a 10% discount if you opt for an annual bill of $129). But if you're sitting on hundreds of thousands of points, that investment can help you maximize your rewards before they expire or devalue.</p><h4>Pros:</h4><ul><li>Saves time by eliminating the need to search different airline sites</li><li>Offers step-by-step instructions on how to transfer points and book available redemptions</li><li>Helpful tips for booking flights on a preferred airline via another airline's site for fewer points (example: booking a Delta flight through Aeromexico)</li><li>Free for many American Express cardholders as of March 2024</li><li>Paid concierge booking services available for complex trips </li></ul><h4>Cons:</h4><ul><li>Subscription plans ranges from $129 to $260 per year</li><li>Solely focused on flights, so you're on your own for searching for hotel deals</li></ul><h3>Roame</h3><p><strong>Cost:</strong> Freemium — Free version works for most. Basic version $109.99/year, business version $3,499.99/year.</p><p>Award travel search tools have proliferated since revenge travel boomed post-pandemic. Roame was <a href="https://www.reddit.com/r/CreditCards/comments/11q8mb3/free_reward_travel_search_engine_for_flight/" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">initially designed for award travelers</a> who didn't want to pay a monthly subscription fee for point.me. (Of course, Roame now offers a premium subscription plan, and some cardholders can now access point.me for free.)</p><p>Roame is great for coaxing friends and family to expand their points and miles travel, since the clean, simple layout is all but fool-proof. Simply pop in your departure and arrival cities, desired departure date, and choose whether you're flying in economy or business/first class. The algorithm spits out a list of options, and you can filter or sort your search results by travel length, price, and departure time. </p><p>Roame even helps you figure out which loyalty program is a transfer partner for the airline operating each flight, so you can quickly see if you can book that redemption or not.  </p><h4>Pros:</h4><ul><li>User-friendly interface is easy to use</li><li>Can search for multiple seats on the same flight</li><li>Compares more than one dozen airline programs to find you the best rate</li><li>Premium version can show availability within a seven-day date range</li></ul><h4>Cons:</h4><ul><li>Free account requires sign-up, and offers slightly limited search capabilities</li><li>Primarily focuses on direct or one-stop routes</li><li>Can't search round-trip or multi-stop itineraries</li><li>Defaults to business/first class seats, which can throw off first-timers</li></ul><h3>seats.aero</h3><p><strong>Cost:</strong> Freemium — Pro version is $9.99/month or $99/year</p><p>Deal hunters and regular travelers travel differently: Most people book flights based on their availability, while sale-seekers plan their trips around great travel deals. </p><p>Seats.aero isn't as sleek-looking as Roame, but it's far more powerful in other ways. This tool allows you to search award flights by city, region, country, and even continent to find the best, elusive deals on award travel sweet spots in economy, premium economy, business class, and even first class. </p><p>Business Insider experts have flown in first-class cabins from Asia to North America for less than 100,000 points, and spent nearly 24 hours in Singapore business class for the cost of a <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-current-credit-card-signup-bonuses" data-analytics-product-module="body_link" rel="">single welcome bonus</a>. </p><p>Seats.aero offers a paid version with access to premium search capabilities such as looking up flights more than 90 days in advance. But the free version will be more than sufficient for most beginner and advanced award travelers.</p><h4>Pros:</h4><ul><li>Powerful search capability can search a broad range of departure and arrival opportunities across multiple dates</li><li>You can look up flights for a specific date, or find more options using the ±1, ±3, and ±7 day search function</li></ul><p><strong>Cons:</strong></p><ul><li>Layout isn't as beginner-friendly as some of the other tools reviewed in this guide</li><li>Searching 90+ days in advance or filtering out flights with high award taxes and fees requires a paid subscription</li></ul><h3>Points Path: Best for Google Flights price comparisons</h3><p>Points Path requires the least amount of work out of every tool listed in this guide. Simply download this nifty little <a href="https://pointspath.com/" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">Chrome browser extension</a>, then open Google Flights and run a flight search as usual. A new field will pop up in your search results, showing you how much each flight costs in miles or points and pointing an arrow toward the better deal. </p><p>Points Path has some limitations — it doesn't search all major airlines or work well with alliance partners yet, so you'll have to manage those redemptions independently. But it's fantastic for quickly evaluating your next trip budget, eliminating the cash vs. points dilemma of calculating the value of your rewards. You can also use Points Path to help you understand which rewards program or welcome offer you should target next. </p><h4>Pros:</h4><ul><li>Google Chrome plug-in is incredibly easy to use and doesn't require future maintenance</li><li>Helps you compare the cash vs. award redemption price of specific flights</li></ul><h4>Cons:</h4><ul><li>Doesn't cover all airline award programs</li></ul><h2 data-toc-label="FAQs" id="faqs" class="toc-anchor">FAQs about reward tracking apps</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What is the best app to track credit card rewards? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">CardPointers manages all of your credit cards within a single app. It tracks your progress toward new welcome bonuses, shows how much you pay in annual fees each year, suggests the best card to use for different purchases, and tallies the total value you can maximize from your credit cards.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What makes a credit card rewards tracking app stand out? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">A good rewards tracking app should help you maximize your credit card rewards, keep track of expiration dates and upcoming annual fees, and help you take advantage of special offers that are available.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Is it safe to share my credit card information with rewards apps?  </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Many credit card tracking apps integrate with your bank accounts. Carefully research any financial institution's policies on digital security before you submit any confidential information. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Can I search for flights using points and miles? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">A number of new tools help travelers search for award flights. Points Path is a Chrome browser plug-in that integrates with Google Flights that shows the miles cost of a flight next to the cash price, and automatically suggests the better deal for you. Other tools like point.me, seats.aero, and Roame search dozens of airlines at once to find the best or lowest-priced flights on points or miles. </p> </div> </div> </div><iframe data-src="https://products.gobankingrates.com/pub/bcf1f183-92e6-4401-ac5f-d7b47ca8c33c?targeting[subcategory]=creditcards&resize=1&ident=99&pub_inventory=credit-cards/best-credit-card-rewards-apps-track-points-miles-travel-pfi-credit-cards" data-indent="99" scrolling="no" frameborder="0" width="100%" style="min-width:300px;max-height:475px;"></iframe> <script async="" type="text/javascript" id="go-banking-resize"> window.addEventListener('message', onGoBankingResize, false); function onGoBankingResize(e) { { if (e.origin === 'https://products.gobankingrates.com' && e.data) { if (e.data.source && e.data.id && undefined !== e.data.height) { var id = 'iframe[data-indent="' + e.data.id + '"]'; var chosenFrame = document.querySelector(id); if (chosenFrame) { var height = e.data.height + 'px'; chosenFrame.style.height = height; } } } } } </script><section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/katherine-fan" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="katherine-fan"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/62eaeb8326082a001825aa6c?crop=1:1&width=256&format=jpeg&auto=webp" alt="Photo of the author Katherine Fan"> <noscript> <img src="https://i.insider.com/62eaeb8326082a001825aa6c?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/katherine-fan" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Katherine Fan</div> </a> <div class="post-author_title headline-regular">Correspondent, Credit Cards</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Katherine Fan is a personal finance expert, journalist, and public speaker with almost 10 years of industry experience. She began her career in tech before transitioning to journalism in 2015. Katherine currently serves as Personal Finance Insider's correspondent for credit card coverage. Before joining Business Insider as Senior Editor of Credit Cards, Katherine covered aviation, award travel, loyalty programs, and credit cards as a senior reporter for The Points Guy, and small business finances as a lead writer for Nerdwallet. </span><span>Katherine has also freelanced for CNN Underscored, Forbes Advisor, Wall Street Journal Buy Side, Bankrate, CreditCards.com, the Dallas Morning News, LendingTree, Upgraded Points, Fortune Recommends, Newsweek, and Slickdeals Money. Her work has been syndicated by Nasdaq, MSN and Yahoo. </span><span><span class="headline-semibold">Experience</span></span><span>Katherine has published more than 1,800 articles, guides, and reviews covering credit card benefits and rewards, small business finances, points and miles travel, loyalty programs, and real estate investing. </span><span>Katherine has been a speaker at TravelCon, and has been featured on multiple podcasts including NPR Life Kit, Expedia's Out Travel the System, and The Points Guy's Miles Away. In her spare time, Katherine moonlights as a photojournalist covering Formula 1, Austin City Limits, and SXSW for the Austin American-Statesman and other media outlets. When she's not jetsetting around the world, you'll likely find her in Austin cooking up a batch of spicy Chinese food.<span class="headline-semibold">Expertise</span></span><span>Katherine's expertise encompasses:</span><ul><li><span>Small business finances</span></li><li><span>Credit cards</span></li><li><span>Points and miles travel</span></li><li><span>Travel insurance</span></li><li><span>Real estate investing</span></li></ul><span>Katherine's interest in personal finance runs parallel to her passions for real estate investing and award travel. Despite a salary of just $28,000 a year from her first full-time job, Katherine built an excellent credit score of 805 from scratch through hard work [and privilege], which allowed her to purchase her first home six years after graduating college. She's since added five more doors to her real estate portfolio, although she plans to retire on her index fund investments.Thanks to credit card travel rewards, Katherine has flown well over one million miles visiting 44 countries across all seven continents. She's sailed with orcas in Antarctica, flown home in first class from Japan, photographed a wedding at Hobbiton in New Zealand, and gone on safari in South Africa. But her most meaningful trips always bring her home to loved ones in Taiwan. <span class="headline-semibold">Education</span></span><span>Katherine holds dual degrees in photojournalism and Asian American studies from the University of Texas at Austin, and a certificate in business Chinese proficiency from National Taiwan University. She began her professional career in tech as a software sales executive for seven years before returning to her media roots. </span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/60a53ef9e25d05001880c7d2":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":320}}" alt="LendingClub Logo"> <noscript> <img src="https://i.insider.com/60a53ef9e25d05001880c7d2?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> LendingClub LevelUp Savings Account </a> <span class="headline-semibold featured-product-sub-heading"> Earn 5.00% APY when you deposit $250 per month <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 5.00% APY when you deposit at least $250 per month, earn 4.00% standard APY if minimum isn't met.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> <section class="category-tagline body-italic"> <div> <p class="body-italic"><p style="font-size:14px;"><em>Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. <a href="https://www.businessinsider.com/personal-finance/personal-finance-editorial-standards">Read our editorial standards</a>.</em></p><p style="font-size:14px;"><em>Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.</em></p><p style="font-size:14px;"><em>**Enrollment required.</em></p></p> </div> </section> </section> </div> </div> <section class="post-content-more"> <div class="inline-newsletter-signup headline-regular loading insider-today" id="formContainer" data-component-type="inline-newsletter-module" data-event-label="insider_today" data-newsletter-id="1" data-newsletter-title="Insider Today" 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