loyalty points optimizer

The problem

Most households lose hundreds of dollars annually to expiring airline miles and retail points. Managing multiple programs, tracking expiry dates, and calculating cents-per-point (cpp) ratios is a manual chore that leads to wasted rewards.

What it does

• Inventories all loyalty programs, balances, and expiry rules from text or statements.
• Calculates the true dollar value of every point balance using real-world cpp benchmarks.
• Generates a prioritized burn-down list to rescue points expiring within 90 days.
• Maps your existing credit cards to spending categories to maximize daily earn rates.
• Provides a transfer-partner strategy to ensure bank points are only moved when they beat the cash-out floor.

Why this beats prompting it yourself

General AI models often hallucinate transfer ratios or suggest low-value redemptions like gift cards. This skill enforces strict math-based rules, such as the 1.0cpp cash-out floor, and prevents speculative transfers that lock your points into devaluing currencies.

Use cases

• Conducting a quarterly audit to find and fix "orphan" balances in old accounts.
• Planning a high-value travel redemption by comparing cash prices to award availability.
• Optimizing monthly grocery and gas spend across a multi-card wallet.
• Resetting the expiry clock on aging miles with minimal-cost activity.

Known limitations

Does not integrate directly with account logins via API. Requires users to provide balances manually via text or images. Does not track real-time seat availability on specific flight numbers.