Use every benefit
before it's gone.
PointsCraft is the manual-tracking app for one premium card or a whole wallet. One tap to log monthly, quarterly, semi-annual, and annual benefits — across every issuer. No bank login. No surprises at the anniversary.
See the moment each card pays for itself — anniversary-anchored break-even meter, not calendar-year.
Every benefit lives on its own cycle.
Most trackers model benefits as a single “used” flag. That works until July rolls around and your Saks credit resets. We track each cycle as its own row — so history is honest and the next window starts clean.
Example benefit
Saks Credit
Amex Platinum
Active window
Jan – Jun · $50 available
Resets Jul 1. We'll surface it in the Benefits tab the day the window opens.
Built for the way you actually
use your card stack.
One premium card or a stack of them. Monthly, quarterly, semi-annual, and annual benefits — all tracked in one place. PointsCraft makes the overhead disappear.
One tap to mark used
Swipe, tap, or hit “Mark Used” straight from a notification. The whole loop is engineered to take less than three seconds.
Pre-reset notifications
We nudge you before a window closes — not after.
97 card templates
Amex Platinum, CSR, Bonvoy Brilliant, United Club Infinite, and more — pre-populated with current values.
Annual fee, broken even
A clear meter for every card: value captured this anniversary year vs. the fee you paid. Green when you're ahead.
Break-even reached
Points & miles goals
Round-trip in J? Set a target, pick a deadline, see the math.
iCloud sync
Encrypted, your-account-only. No PointsCraft servers.
No bank login
Manual on purpose. Your credentials never leave your bank.
Home screen widget
Glance at unused credits without unlocking the app.
Unused this cycle
$215
From new card to break-even in four steps.
Step 01
Add a card from a template
Tap +, pick Amex Platinum (or any of 97 card templates). All 14 recurring benefits pre-populate with their current dollar values.
Step 02
Mark used in one tap
Open the Benefits tab, swipe or tap. Notifications fire two days before each cycle window closes — with a Mark Used action right on the lock screen.
Step 03
Watch the fee disappear
Every captured dollar counts toward the card's annual fee. Hit break-even and the meter goes gold. Lose track of one and we'll remind you.
Step 04
Set a goal, redeem it
Track points and miles toward a real reward — flight, hotel, anniversary trip. Progress auto-updates from current balances; we snapshot the redemption when you mark it done.
Three taps from the home screen to credit captured.
Points tab
Benefits tab
Goals tab
Your bank credentials never leave your bank.
Auto-sync trackers ask you to hand them the keys. Spreadsheets ask you to build the whole thing. PointsCraft is manual on purpose — not by oversight — and does the one job the others quietly punt on.
Per-cycle benefit history
Each cycle window is its own row, not a single used flag.
PointsCraftAuto-sync trackersSpreadsheetspartialSemi-annual cycles (Jan–Jun / Jul–Dec)
Required for Amex Saks, Resy, Resort credits.
PointsCraftAuto-sync trackersSpreadsheetspartialPre-reset notifications
Reminders before a window closes, with Mark Used action.
PointsCraftAuto-sync trackerspartialSpreadsheetsAnnual fee break-even meter
Anniversary-anchored, not calendar-year.
PointsCraftAuto-sync trackerspartialSpreadsheetspartialHome screen widget
PointsCraftAuto-sync trackerspartialSpreadsheetsBank credentials required
We never ask. They never leave your bank.
PointsCraftNeverAuto-sync trackersRequiredSpreadsheetsNeverData leaves your device
iCloud sync is encrypted to your Apple ID only.
PointsCraftiCloud onlyAuto-sync trackersYes, to vendorSpreadsheetsWherever you save itSetup time
PointsCraft~2 min per cardAuto-sync trackersLogin flow + reconciliationSpreadsheetsHours
What's actually in the box.
97
cards in the catalog
Amex, Chase, Capital One, Citi, and the major hotel co-brands — pre-populated with their recurring credits so you don't enter benefits by hand.
4
cycle types tracked
Monthly, quarterly, semi-annual, and annual — including the Saks and Resy semi-annual credits other trackers fudge.
0
bank logins required
Manual tracking, by design. PointsCraft never asks for your bank credentials — your data stays on your device, synced through your own iCloud.
12
in-depth parent guides
Honest annual-fee math, two-parent card splits, and family travel redemptions — written for one-income and two-income households alike.
Sensible answers, no fine print.
No. PointsCraft is intentionally manual. We never ask for bank credentials, OAuth tokens, or account numbers. The product thesis is that one tap is faster than fighting an aggregator — and your credentials stay where they belong.
Stop leaving credits on the table.
Earn your fee back.
Free to download. No bank login. No account required.