Written by Jason Foley
Updated on Tue, 03 Feb 2026

Keeping track of everything can be difficult if you don’t have a plan. We created the Points Navigator to make this easy for everyone, including ourselves.

Here’s how we make the whole process easier.

Why This Gets Overwhelming Without a System

Keeping track of everything becomes difficult once you start juggling many different moving pieces, including:

• Multiple credit cards
• Points spread across different systems
• Annual fees to monitor
• Minimum spend requirements to earn signup bonuses
• Application rules from every bank

Many cards now also use coupon-book style benefits, which further complicates maximizing value. This gets even harder once you have five, ten, fifteen, or more cards.

Knowing Which Cards Actually Make Sense for You

Nearly every site we’ve seen takes kickbacks from credit card companies. This makes it hard to know whether recommendations are made in your best interest or theirs.

We don’t take money from banks, credit card companies, or advertisers. That means our recommendations are unbiased and tailored to your situation, based on your goals, spending levels, and the cards you’ve already opened.

We do the research and math for you and present it all in one place. Signup bonuses are valued based on the estimated value of each point system. That means a 50,000-point bonus from one card can be worth more than a 100,000-point bonus from another.

Tracking Your Cards, Rules, and Annual Fees

Our system allows you to easily track key details for every card you add, including:

• Which cards you have
• When each card was opened
• When you earned the signup bonus
• When the annual fee is due

We use that information to automatically coach you on navigating application rules when selecting future cards. You don’t need to remember the rules. We apply them for you.

We also notify you 60 days before an annual fee is due so you can decide whether to:

• Keep the card another year
• Downgrade it
• Cancel it

This helps you have a plan in place before the annual fee shows up on your statement.

Managing Spend and Payments

Paying too many credit card bills each month can feel overwhelming. We recommend turning on auto-pay for all cards as soon as you get them. To maximize this hobby, you must be financially stable enough to pay all card balances in full each month.

Even when you own ten or more cards, the reality is you’ll still only be actively using a few at any given time.

Knowing Which Card to Use at the Right Time

We group card benefits into plus and minus categories so you can quickly see which card is best for each situation. This includes protections like:

• Rental car insurance
• Travel insurance
• Warranty coverage
• Other purchase and travel protections

That way, you don’t have to visit every individual card page to compare benefits.

Many cards also include dozens of coupon-book style extras, usually in the form of statement credits that reset monthly, quarterly, semi-annually, or annually. These extras are separate from core benefits and are one of the biggest reasons cards feel hard to manage.

Our Extras tool organizes every extra included with each card into a single page. You can see what’s available, how often it resets, and mark each extra as used once you’ve taken advantage of it.

You can also assign a value to each extra based on how likely you are to use it. Tracking which extras you actually use makes it much easier to evaluate whether a card’s annual fee is worth paying.

Knowing How to Book With Different Point Systems

We have a page for every major point system, where we show you:

• The different ways you can use those points
• The best sweet spots and ways to maximize value
• Step-by-step directions for booking travel in each situation, including through portals

Tracking Your Points in One Place

We’ve built a tool that allows you to track all of your points, and your spouse’s points, in one place. You can see point totals, valuations, and expiration dates across all programs.

Through our partnership with AwardWallet, your accounts can sync automatically so everything stays up to date.

The Bottom Line

Keeping track of everything can be difficult if you don’t have a plan. The Points Navigator brings everything into one place so you don’t have to manage it manually.