Reward Architect helps you track benefits, optimize every purchase, and make smarter keep-or-cancel decisions — so you never leave value on the table.
No credit card required · Free to get started
Card Holder
CARD HOLDER
Expires
09/28
Card Holder
CARD HOLDER
Expires
12/27
Card Holder
CARD HOLDER
Expires
03/29
124+
Cards in catalog
∞
Benefits to track
15+
Spend categories
100%
Free to start
Built for serious points enthusiasts who want one place to manage it all.
See all your cards in one place — balances, annual fees, open dates, and authorized users at a glance.
Get notified before credits expire or annual fees hit. Stop losing money to benefits you forgot to use.
Enter a purchase category and instantly see which card in your wallet earns the most points or cash back.
Track your progress on every credit — dining, travel, streaming, and more — with a live usage bar.
See each card's net cost after benefits used. Know which cards pay for themselves and which don't.
Get a keep, downgrade, or cancel recommendation for every card based on your actual realized value.
No imports, no spreadsheets. Just add your cards and go.
Pick from 124+ cards in the catalog. Set your open date and we handle the rest — benefits, earn rates, and fee schedules auto-populate.
Log credits as you use them. Reward Architect tracks your progress toward each benefit reset and warns you before anything expires.
At renewal time, see a clear keep or cancel verdict for every card. At purchase time, know which card to reach for.
Join Reward Architect and start making every card in your wallet work for you.