BygPoints
Finance
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
BygPoints tells you which credit card to pull out — before you pay, not after.
Add the cards you already carry. BygPoints learns what each one earns on groceries,
gas, dining, travel and everything else, then answers the only question that
matters at the till: which of these should I use right now?
WHAT IT DOES
• Which card to use — pick a category, or tap once and let it name the shop you're
standing in and pick from that.
• Welcome bonuses that don't quietly expire — log spend against each bonus, see how
far you have to go and how many days are left. Multi-stage offers with separate
deadlines are tracked stage by stage.
• Annual fee renewals — know the date before the charge lands, and see a
keep-or-cancel read based on what the card actually earned you against what it
costs.
• Payment due dates — reminders 7, 5 and 2 days out for every card you enter a
billing cycle for.
• Points that expire — some programs wipe a balance after a period of inactivity.
BygPoints warns you at 90, 30 and 7 days.
• Plan your next card — see which offers are unusually good right now, and when
it is safe to apply given the issuer rules you're already subject to.
• Household — share a view with a partner so you can see both wallets and choose
the better card between you.
CANADA AND THE US, EQUALLY
Both card markets are covered properly, with the right currency, the right issuers
and the right rules for each — including which networks a warehouse club actually
accepts in each country. Most rewards apps are built for one market and guess at
the other.
NO BANK LOGIN. EVER.
BygPoints never asks for your banking credentials, card numbers, or credit score,
and it does not connect to your accounts. You enter the cards you hold; that is the
whole of it. This is a deliberate design decision, not a missing feature.
BygPoints is a bookkeeping and decision aid for card rewards. It is not financial
advice, and it does not sell or apply for credit cards on your behalf.
BYGPOINTS+
BygPoints is free for up to 3 cards. BygPoints+ unlocks unlimited cards and the
full planner, as a monthly or annual auto-renewing subscription, or a one-time
lifetime purchase. Subscriptions renew automatically unless cancelled at least 24
hours before the end of the current period; manage or cancel in your Apple ID
settings.
Terms of Use (EULA): https://bygpoints.com/terms
Privacy Policy: https://bygpoints.com/privacy
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
• Backup card at small shops: when the best card for a store is an Amex and the store might not take it, BygPoints now also names your best Visa or Mastercard. Tap "They don't take Amex here" and the app remembers that store next time, on your phone and on the web.
• Free Points Playbooks: beginner's guides to points and miles for Canada and the US, right on your Home screen (and always in More).
• Small fixes and improvements.
The developer, Prathik James, 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
- Financial Info
- Contact Info
- Identifiers
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Location
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Prathik James
- Size
- 39.1 MB
- Category
- Finance
- Compatibility
Requires iOS 15.1 or later.
- iPhone
Requires iOS 15.1 or later. - iPod touch
Requires iOS 15.1 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- BygPoints+ Lifetime $119.99
- BygPoints+ Annual $39.99
- BygPoints+ Monthly $4.99
- Copyright
- © 2026 Prathik James