Reward Architect helps you track benefits, optimize every purchase, and make smarter keep-or-cancel decisions — so you never leave value on the table.
No credit card required · Free to get started
Card Holder
CARD HOLDER
Expires
09/28
Card Holder
CARD HOLDER
Expires
12/27
Card Holder
CARD HOLDER
Expires
03/29
130+
Cards in catalog
340+
Benefits to track
10+
Spend categories
100%
Free to start
We don’t promote any card, and we don’t have affiliate or referral relationships with any issuer. Reward Architect is purely driven by the information you give us and what’s publicly available about your cards — turned into the clearest possible picture of the reward value behind every annual fee you pay. Our only incentive is helping you get more out of the wallet you already have.
Built for serious points enthusiasts who want one place to manage it all.
See all your cards in one place — annual fees, open dates, credit limits, and your total available credit at a glance.
Ask a plain-English question — "which card should I use for dining?" — and get an answer grounded in your actual cards, fees, and usage. No guessing.
Get notified before credits expire, annual fees hit, or points are about to go stale. Stop losing value you forgot you had.
Enter a purchase category and instantly see which card earns the most — plus a Portfolio Optimization Score showing how close your wallet comes to the best card available for every category.
Track your progress on every credit — dining, travel, streaming, and more — with a live usage bar.
See each card's net cost after benefits used. Know which cards pay for themselves and which don't.
Get a keep, downgrade, or cancel call for every card — plus an AI-written retention-call script and balance-transfer terms when it's time to negotiate instead.
AI-curated news delivered weekly for the exact cards in your wallet — benefit changes, limited-time offers, and annual fee updates.
Log balances across every loyalty program and see their real estimated dollar value — plus a Transfer Bonus Watch that flags active promotions to airline and hotel partners.
AI-summarized lounge reviews for any airport, cross-checked against what your cards unlock. Log an upcoming trip and lounges at every stop surface automatically.
Pool your wallet with a spouse, family member, or business partner — one plan covers the whole household, with a shared view of combined fees and value.
Export your annual review or points balances any time — handy for tax season, budgeting, or just keeping your own records.
No imports, no spreadsheets. Just add your cards and go.
Pick from 130+ cards in the catalog. Set your open date and we handle the rest — benefits, earn rates, and fee schedules auto-populate.
Log credits as you use them. Reward Architect tracks your progress toward each benefit reset and warns you before anything expires.
At renewal time, see a clear keep or cancel verdict for every card. At purchase time, know which card to reach for.
Join Reward Architect and start making every card in your wallet work for you.