The right call for every card decision.
The math behind every card decision.
Card decisions, with the math shown.
Miles reads your whole wallet: what to get next, what to keep or cancel, and where your points go furthest.
No account needed to ask.
- Amex Gold
- Amex Membership Rewards
- Amex Platinum
- Amex Membership Rewards
- Sapphire Reserve
- Chase Ultimate Rewards
- Costco Anywhere Visa
- Cash Back
Which card should you get next?
The right next card depends on what you already hold. Miles ranks candidates against your wallet and spending, including sign-up bonus value and estimated first-year value.
All three are no-fee. Starting from zero, the Capital One Savor returns the most in year one. Freedom Unlimited's points also transfer to airlines and hotels once you add a Sapphire card.
Capital One Savor
| Card | Fee | 1st-year value |
|---|---|---|
| Best first card: Capital One Savor | $0 | ≈ $467 |
| Freedom Unlimited | $0 | ≈ $367 |
| Wells Fargo Active Cash | $0 | ≈ $175 |
Should you keep or cancel a card?
Miles compares the annual fee with the card's credits, anniversary value, and value from your spending. The result includes the arithmetic.
Keep it. The travel credit and anniversary miles cover the fee on their own; you don't need to spend a dollar for it to pay off.
Keep the Venture X
| Line item | Amount |
|---|---|
| Annual fee | −$395 |
| Travel credit | +$300 |
| Anniversary miles | +$145 |
| Net, before spend | ≈ +$50 |
Your Card Snapshot
See your cards, credits, benefits, earning rates, and transfer partners in one summary based on current program data. No spending data is required.
$4,095 net a year
| Card | Fee | Net value |
|---|---|---|
| Amex GoldAmex Membership Rewards | $325 | $540 |
| Amex PlatinumAmex Membership Rewards | $895 | $1,829 |
| Sapphire ReserveChase Ultimate Rewards | $795 | $1,522 |
| Costco Anywhere VisaCash Back | $0 | $204 |
| Total, after fees | $2,015 | +$4,095 |
| Behind the value | Amount |
|---|---|
| Travel creditSapphire Reserve | $300 |
| Dining creditAmex Gold, $10 a month | $120 |
| Lounge accessPriority Pass | 2 cards |
Which points should you transfer?
The same points are worth different amounts depending on where you send them. Miles compares the transfer ratios and current bonuses, then shows what each path delivers.
Amex. There's a 30% transfer bonus running: 77,000 covers the full 100,000, and your Chase points stay flexible.
Transfer from Amex
| Route | Sent | Avios |
|---|---|---|
| Best route: Amex MR1:1 + 30% bonus through 9/27 | 77,000 | 100,100 |
| Chase UR1:1, no bonus | 100,000 | 100,000 |
| Points kept | 23,000 | ≈ $345 |
Which card should you use?
Name a merchant or category. Miles checks every card in your wallet against bonus categories, caps, network restrictions, and your valuations, then shows the math.
Use your Chase Sapphire Reserve: it earns 4X on flights booked directly with the airline, the best rate in your wallet.
Chase Sapphire Reserve
| Basis | Return |
|---|---|
| 4X points × 1.5¢ | = 6% return |
Yes. You booked it on the Reserve, so you're covered up to $500 per person for delays over 6 hours.
Where to use Miles
Works in your browser, and inside the AI assistant you already use.
Every card Miles tracks, 216 today, each with its own page. See the catalog →
- Ask Miles
Miles Cloud
Save your wallet and get personalized answers based on current card and program data.
- Connect to Claude
Miles for your AI
Ask from Claude or any connected AI app: the same wallet and the same data, in the assistant you already use.
With an award-search connector alongside Miles, your AI can plan the whole booking. See the workflow →
Ask Miles about your next card decision.
Which card should you add to your wallet next?
Decide what to get next and what to keep or cancel.
Start with the card decision in front of you.
Free to start. Your wallet, your math.
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