Free
$0Price: Free
Every feature is currently free. No subscriptions, no paywalls.
Compare the competition · one to one
Rich with Points vs CardPointers
Sixteen features, two columns. Pick a tool, or let them come round one at a time.
Compare with
| Feature | Rich with Points$0Free | CardPointers$90a year · $90/yr |
|---|---|---|
| Unique | ||
| Wallet comparison | Unique | No |
| Whiteboard visualization | Unique | No |
| Spending caps tracking | Unique | No |
| Custom categories | Unique | No |
| Best | ||
| Card comparison | Best | No |
| Benefits tracking | Best | Partial |
| Alerts | Best | Yes |
| Multi-player / household | Best | Yes |
| Application rules (5/24) | Best | Yes |
| Yes | ||
| Welcome bonus tracker | Yes | No |
| Transfer partner calculator | Yes | No |
| No bank login needed | Yes | Card data only |
| Price | Free | $90/yr |
| Partial | ||
| Point valuations | Custom | No |
| "Which card to use" | Page-based | Best |
| Loyalty program tracking | Points only | No |
Feature by feature
Sixteen features, nine tools
- Unique / Best
- Yes Yes
- No No
- Partly, in words
| Feature | Rich with Points Free | TPG Free | NerdWallet Free | Upgraded Points Free | AwardWallet $50/yr | CardPointers $90/yr | MaxRewards $108–240/yr | Kudos Free | point.me $129/yr |
|---|---|---|---|---|---|---|---|---|---|
| Unique No other tool listed has these | |||||||||
| Wallet comparison Compare entire card wallets side-by-side with spending allocation, category coverage, and net value. No other tool does this. | Unique | No | No | No | No | No | No | No | No |
| Whiteboard visualization Interactive canvas to visualize your cards, point systems, and transfer partners. A completely unique feature. | Unique | No | No | No | No | No | No | No | No |
| Spending caps tracking Track quarterly and annual spending caps across all your cards. Know exactly when you hit bonus thresholds. | Unique | No | No | No | No | No | No | No | No |
| Custom categories Create your own spending categories and earnings beyond what issuers advertise. Tailor rewards tracking to your actual spending. | Unique | No | No | No | No | No | No | No | No |
| Best Where Rich with Points leads | |||||||||
| Card comparison Deep side-by-side card comparisons with rewards, benefits, fees, and category breakdowns — more detail than any competitor. | Best | Yes | Yes | Yes | No | No | No | Yes | No |
| Benefits tracking Track all card benefits with usage status, reset dates, and dollar values. The most comprehensive benefits tracker available. | Best | No | No | No | Yes | Partial | Yes | Yes | No |
| Alerts Three alert systems: My Timeline for upcoming events, Bonus Tracker for welcome bonus progress, and upcoming annual fee reminders. All alerts are completely OPTIONAL. | Best | No | No | No | Yes | Yes | Yes | No | No |
| Multi-player / household Manage cards and optimize rewards for your entire household — partners, family members, and authorized users all in one place. | Best | No | No | No | Yes | Yes | No | No | No |
| Application rules (5/24) Track Chase 5/24 and other issuer application rules automatically. Know exactly where you stand before applying. | Best | No | No | No | No | Yes | No | No | No |
| Yes Included, like a few others | |||||||||
| Welcome bonus tracker | Yes | No | No | No | No | No | Yes | No | No |
| Transfer partner calculator | Yes | No | No | Yes | No | No | No | No | Yes |
| No bank login needed | Yes | Not applicable | Not applicable | Not applicable | No | Card data only | No | No | No |
| Price | Free | Free | Free | Free | $50/yr | $90/yr | $108–240/yr | Free | $129/yr |
| Partial Where another tool leads | |||||||||
| Point valuations | Custom | Best | No | Yes | No | No | Custom | No | No |
| "Which card to use" | Page-based | App | No | No | No | Best | Yes | Yes | No |
| Loyalty program tracking | Points only | App | No | No | Best | No | CC only | No | Yes |
| Feature | Rich with Points Free | CardPointers$90/yr |
|---|---|---|
| Unique | ||
| Wallet comparison | Unique | No |
| Whiteboard visualization | Unique | No |
| Spending caps tracking | Unique | No |
| Custom categories | Unique | No |
| Best | ||
| Card comparison | Best | No |
| Benefits tracking | Best | Partial |
| Alerts | Best | Yes |
| Multi-player / household | Best | Yes |
| Application rules (5/24) | Best | Yes |
| Yes | ||
| Welcome bonus tracker | Yes | No |
| Transfer partner calculator | Yes | No |
| No bank login needed | Yes | Card data only |
| Price | Free | $90/yr |
| Partial | ||
| Point valuations | Custom | No |
| "Which card to use" | Page-based | Best |
| Loyalty program tracking | Points only | No |
The tool picked above. On a wider screen, all nine sit side by side.
Wallet Comparison
Compare whole wallets
Put up to three sets of cards side by side and see which one earns you the most each year, in dollars, after annual fees and credits. The math runs on your actual spending in every category, not averages.
UniqueNo other tool listed does this.
In short
Four reasons, straight from the matrix
Wallet Comparison
Unique
Compare entire card wallets side-by-side with spending allocation, category coverage, and net value. No other tool does this.
No bank login
YesYes
Free to join, and you never share a bank login.
Multi-player
Best
Manage cards and optimize rewards for your entire household — partners, family members, and authorized users all in one place.
Free to join
Compare whole wallets, free
Join Rich with Points for free: no credit card required, no subscriptions, no hidden fees.