Know the best card for every purchase. Pointer tells you which credit card earns the most at any store — in person or online — so you stop leaving rewards on the table. No bank logins. Ever.
THE BEST CARD, EVERY TIME
Search any store — Amazon, Target, your corner grocery — and Pointer ranks your cards from most to least rewarding. See the exact multiplier (like 3x on dining) and how much more you'll earn, then tap the Apple Pay prompt to pay with the right card in seconds.
NO BANK LOGINS. ZERO CREDENTIAL STORAGE.
Add your cards by name. Pointer never asks for card numbers, banking passwords, or third-party account connections — so there's nothing to sync, nothing to re-authenticate, and nothing sensitive stored. Privacy-first, by design.
EVERY PERK YOU ALREADY PAY FOR
Track the credits and benefits buried in your cards — airport lounge access, annual travel and dining credits, Global Entry, and more — across your whole wallet, so nothing expires unused.
TRAVEL ON POINTS
Search flights and hotels by route, date, and cabin, then see how to book them with the points you already have. Pointer factors in transfer-partner ratios and flags active transfer bonuses, so you move points at the right moment instead of guessing.
BUILT FOR YOUR WALLET
Pointer supports cards from every major issuer — Chase, American Express, Capital One, Citi, Discover, Bank of America, Wells Fargo, Barclays, Bilt, and US Bank — with reward structures, rotating categories, and offers kept current for you.
FREE TO START
The free plan includes weekly store searches, unlimited cards, the full perks tracker, and card recommendations. Pointer Pro ($4.99/month or $47.99/year) unlocks unlimited store searches, sale forecasts, and transfer-partner optimization.
FREQUENTLY ASKED
How does Pointer know which card to use?
It cross-references each store with your cards' earn rates, active promotions, and transfer bonuses, then ranks them best to worst — with the exact multiplier and what you'd earn.
Do I have to link my bank?
No. You pick your cards by name. Pointer never stores card numbers or banking credentials.
Is it really free?
Yes — free to download and use, with an optional Pointer Pro upgrade for power users.
Check before you swipe. Download Pointer and know the best card for every purchase.
App has potential to be super useful but has errors in some point multipliers and no where to report it
Incredible app
Broths it's too good
Pointer is one of those few apps that helps me with a problem I have been having for years. Super easy to use.
Day to day winner
Day to day winner
Been needing a credit card manager for gas and groceries and this app does a good job keeping it simple to use. It’s free so that’s a plus
Limited
Alyssa Mathis
Of the nine credit cards I have, I was able to locate only four, which is not particularly helpful.
UI animation fixes
Version 2.1.1
The developer, Pointer Services LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Purchases
Location
Contact Info
User Content
Identifiers
Usage Data
Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
Pointer Services LLC
Size
48.4 MB
Category
Finance
Compatibility
Requires iOS 17.6 or later.
iPhone Requires iOS 17.6 or later.
Mac Requires macOS 14.6 or later and a Mac with Apple M1 chip or later.
