Last updated: March 9, 2026
CreditCardPoints.ai ("we", "us", "our") is a free tool that analyzes your spending transactions to estimate rewards you could earn from various credit cards. We provide personalized estimates, not financial advice.
To use our analysis features, you need to create an account with a valid email address and password. You are responsible for keeping your login credentials secure. If you suspect unauthorized access, let us know immediately.
We use Plaid to securely connect to your bank. We receive read-only access to your transaction history. We cannot move money, make purchases, or modify your accounts in any way. You can disconnect at any time.
Our card results include affiliate links. When you click "Apply" and are approved for a card through our link, we may earn a commission from the card issuer. This is how we keep the service free.
Our reward calculations are estimates based on your historical spending and publicly available card terms. Actual rewards may vary due to changes to card programs, spending pattern changes, category classification differences, and promotional variations.
You agree not to use the service for any unlawful purpose, attempt to access other users' data, reverse-engineer our systems, or create multiple accounts to abuse rate limits.
CreditCardPoints.ai is provided "as is" without warranty. We are not liable for any financial decisions you make based on our estimates.
You can delete your account at any time. We may also suspend or terminate accounts that violate these terms.
We may update these terms from time to time. We will notify registered users of material changes via email.
Questions? Reach out at hello@creditcardpoints.ai.