Points-rich and idle, not points-poor.
One warchest, three ecosystems, four trips.
Mobilizable now — live balances, tap to edit
Two ways to think it through
Same four tools, two directions of reasoning. Pick the one that matches how the question arrived.
How the desk connects
Every tool feeds the next. Edit one and it ripples through all of them — that's why the numbers stay arguable.
Planner · portfolio allocator
Trips compete for pooled currencies. Exact allocation, not simulation — every number below is enumerable and arguable.
Ranked strategies
Allocation — settle each call · persists to your plan
Per-trip goal-seek detail ⌄
Sensitivity / tornado ranking ⌄
Rotate · card lifecycle
Sign-up bonus pipeline, min-spend tracking (purchases only), 5/24 position, annual-fee triggers, downgrade/cancel timing.
In-progress sign-up bonuses
Next-card candidates (ranked by $-value / min-spend)
Annual-fee triggers & keep/downgrade/cancel
Wallet · data
Every entity in the model. Tap ✎ up top to edit. Nothing here is optimized against — this is just the ledger.
Holders & cards ⌄
Balances ⌄
Credits & assets ⌄
Promos (traps to watch) ⌄
Trips ⌄
Swipe · best card right now
Category in, best optimize-role card out. Never suggests a catalog / DO-NOT-USE card.