Free
Get started — no card required
$0
- Up to 3 accounts
- Basic point tracking
- Full analytics & optimization
- 5 AI insights + 3 travel plans / month
Simple pricing
Plans that scale with your points.
Start free, upgrade when you need more. No surprise charges — cancel anytime.
Premium
Maximize every point
$89/yr
- Unlimited accounts
- Full analytics & forecasting
- AI insights & narratives
- Smart notifications
Premium Family
Premium for up to 4 household members
$129/yr
- 4 household seats
- Shared goals & insights
- Household admin controls
| Feature | Free | Premium | Family |
|---|---|---|---|
| Up to 3 accounts | 3 | ∞ | ∞ |
| Basic point tracking | |||
| Full analytics & forecasting | |||
| Card optimization | |||
| AI model | Standard (GPT-nano) | Pro (Claude Sonnet 4) | Pro (Claude Sonnet 4) |
| AI calls per month | 5 insights + 3 travel | ∞ | ∞ |
| AI insights & narratives | 5 / mo | ||
| AI travel planner | 3 / mo | ||
| Smart notifications | |||
| Plaid auto-sync | |||
| CSV / JSON export | |||
| 4 household seats | 4 | ||
| Shared goals & insights | |||
| Household admin controls | |||
| No ads |
Frequently asked questions
- Do I need a credit card to start?
- No. The free plan is permanent and never asks for a card. You only enter payment details when upgrading to Premium.
- Can I cancel anytime?
- Yes. Cancel from Settings → Subscription anytime; you keep Premium until the end of the paid period.
- Monthly vs yearly — which should I pick?
- Yearly saves about 25% and locks in the price for a year. Monthly is the flexible way to try Premium before committing.
- What is the Family plan?
- Share Premium with up to four household members on a single bill — each person gets their own login and private data.
- Can I change plans later?
- Yes. Upgrade or downgrade anytime; we pro-rate the difference automatically through the customer portal.
Start with the free plan and upgrade only when your rewards workflow needs more room.