Your points are worth more than you think.
PointFolio puts every rewards balance in one place and finds the smartest way to turn it into flights, hotels and trips, showing the math on every option.
- Read-only access
- Never moves your points
- Free during beta
Same trip. Very different price.
Most people redeem miles at a flat 1 cent each. Transferring to the right airline partner can stretch every mile much further. PointFolio finds that partner for you.
Boston → London example from PointFolio's trip planner. Prices are estimates; always check the live award price before transferring.
What we do
The trip of your dreams, or a spontaneous weekend getaway.
PointFolio is a third-party financial service that connects your credit card rewards programs, both cash back and points, and shows you how to use them best to book travel and experiences.
Our AI agent helps you get the most from your credit cards and travel partners, so you save money whether you're planning a big trip or a quick escape.
How it works
From balance to boarding pass in three steps
- 1
Link your card
Sign in on your bank's own secure page. PointFolio gets read-only access to your rewards balance, and nothing else.
- 2
See what you have
Miles, points and cash back from every card on one dashboard, with the time each was last updated.
- 3
Spend it well
Ask the advisor or plan a trip. Options come back ranked by value, each with a direct link to book.
Features
Everything you need to plan with points
AI points advisor
Ask in plain English and get an answer built from your real balances, with the math shown.
Track every point in one place
All your credit cards and rewards points in one central location, so tracking is easy.
Use points to book and plan trips
Plan flights and hotels for a specific trip. PointFolio shows what your points can book, with direct links.
Know your cards and rewards
See all 20 airline and hotel partners and their transfer ratios, so you can focus on 1:1 and better partners.
The right card for every purchase Coming soon
Every card earns differently. PointFolio will tell you which card to use, and when, to earn the most points.
The math, every time
Points used, cash price and cents per point on every recommendation.
Read-only by design
PointFolio can see your rewards balances, and that's all. You stay in control of every transfer and booking.
- Never moves your points. Transfers and bookings happen on your bank's or the travel site's own pages.
- No card numbers. We never see or store card or account numbers.
- Encrypted tokens. Bank access is encrypted at rest. Disconnect any time and it's deleted with your balances.
- Private advice. The AI advisor sees balances and trip details only, never your name, email or account IDs.
Pricing
Free while we're in beta
- Link your Capital One rewards account
- Points dashboard and transfer partners
- AI points advisor
- Trip planner with direct booking links
What about later?
Paid plans will come once PointFolio is out of beta. Beta members will hear about pricing first, before anything changes.
Questions about pricing? Email edwinvanrenselaar@gmail.com.
Our story
Built by a family that loves to travel
Edwin, Noah and their father Erik grew up taking family trips up and down the East Coast and across Europe. When Edwin got his first travel rewards card, he found airline partners, hotel partners and travel hacks that made trips cheaper, or even free.
Seeing how many people wanted those deals but didn't know how their cards could work, they built PointFolio: a simple points tracker that finds the deals for you.
Meet the founders →Questions
Frequently asked questions
Still have questions? Contact edwinvanrenselaar@gmail.com for more information.
Does my credit card work with PointFolio?
Capital One rewards cards, such as Venture, Venture X and Quicksilver, work today. Chase, American Express and Citi are next.
Can PointFolio transfer or spend my points?
No. PointFolio only reads balances. When you're ready, it links you to the right site to transfer or book yourself.
How accurate are the prices?
Award and cash prices are estimates from published award charts and typical fares. Check the live price before you transfer, because transfers can't be undone.
How much does it cost?
PointFolio is free during the beta. Paid plans will come later, and beta members will hear about them first. See pricing.
Your next trip might already be paid for.
Link a card in a couple of minutes and see what your points can really do.
Get started free