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.

Open Miles →
Cards tracked
217
Data checked
—
Miles· Example wallet
Your wallet
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.

Ask Miles this →How it works →

Miles chat ranking three no-fee starter rewards cards by first-year value, for a reader starting from zero
Miles· Example wallet
What starter card should I get?

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.

Verdict:First card

Capital One Savor

Example wallet: none yet. Estimated first-year value: the sign-up bonus, plus earning above the best no-annual-fee card on a typical spending profile, plus the card's protections at Miles' values. The ranking changes with a different starting wallet.
CardFee1st-year value
Best first card: Capital One Savor$0≈ $297
Freedom Unlimited$0≈ $247
Wells Fargo Active Cash$0≈ $100

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.

Ask Miles this →How it works →

Miles chat weighing the Venture X's annual fee against its travel credit and anniversary miles, landing on a keep verdict before any spend
Miles· Example wallet
Should I keep my Venture X?

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.

Verdict:Keep or cancel

Keep the Venture X

Example wallet: one Venture X, one cardmember year, before any spending. Anniversary miles (10,000) valued at 1.45¢ each.
Line itemAmount
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.

Ask Miles this →How it works →

Card Snapshot for a 4-card wallet: each card's annual fee and its net annual value after that fee, with the totals
Miles· Example wallet
Snapshot:Your wallet · 4 cards

$2,202 net a year

Example wallet: the 4 cards in the hero panel. Net value is Miles' estimate of what each card adds in a year after its annual fee: statement credits discounted for how usable they are, lounge, status and protection benefits, and earning above a strong flat-rate card on a typical spending profile, at Miles' default point valuations. The fee is shown for reference; each value already accounts for it.
CardFeeNet value
Amex GoldAmex Membership Rewards$325$274
Amex PlatinumAmex Membership Rewards$895$906
Sapphire ReserveChase Ultimate Rewards$795$818
Costco Anywhere VisaCash Back$0$204
Total, after fees$2,015+$2,202
Example wallet, the same four cards. The largest credits and benefits behind the estimate; lounge access is counted once per card that carries it.
Behind the valueAmount
Travel creditSapphire Reserve$300
Dining creditAmex Gold, $10 a month$120
Lounge accessPriority Pass2 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.

Ask Miles this →How it works →

Miles chat ranking an Air France points transfer between the two currencies the asker holds, live bonus included
Miles· Example wallet
I need 100,000 Flying Blue miles for two Air France business seats. I've got 90,000 Amex points and 150,000 Chase. Where should they come from?

Amex. There's a 25% transfer bonus running: 80,000 covers the full 100,000, and your Chase points stay flexible.

Verdict:Transfer

Transfer from Amex

Example wallet: 90,000 Amex points and 150,000 Chase points. The Amex bonus runs through 10/31/26. Points kept are valued at Miles' 1.5¢ per Amex point. Computed from the balances you give; Miles never logs into your accounts.
RouteSentReceived
Best route: Amex MR1:1 + 25% bonus through 10/3180,000100,000
Chase UR1:1, no bonus100,000100,000
Points kept20,000≈ $300

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.

Ask Miles this →How it works →

Miles chat recommending a card for flights, with the return shown and a trip-delay follow-up
Miles· Example wallet
Best card for booking flights?

Use your Chase Sapphire Reserve: it earns 4X on flights booked directly with the airline, the best rate in your wallet.

Verdict:Flights

Chase Sapphire Reserve

Example wallet: the four cards in the hero panel. Return is the earning rate multiplied by Miles' valuation of a Chase point.
BasisReturn
4X points × 1.5¢= 6% return
Am I covered if it delays?

Yes. You booked it on the Reserve, so you're covered up to $500 per person for delays over 6 hours.

The card catalog

Every card Miles tracks, 217 today, each with its own page. See the catalog →

Plan an award booking with your AI

Connect Miles and an award-search tool to the same AI app. Your AI combines your wallet and transfer math with award-seat availability. Miles cannot move points or book travel. You transfer with your points program and book with the airline.

See the workflow →

An example workflow: an AI app with Miles and an award-search tool connected, in three steps from the points you hold to a booking you make
Your AI app· Example workflow
Example workflow: your AI passes results between the two tools. You complete the transfer and the booking.
StepWhat happens
1MilesLists the points you hold and the programs they transfer to.
2Award searchFinds award seats those programs can book.
3Miles, then youMiles compares the transfer paths. You transfer and book.

Bring your spreadsheet into Miles

Upload an .xlsx file. Miles reads your current and closed cards and any program balances it finds. You review what it read before anything is written to your wallet.

You can upload and preview before creating an account. From Numbers or Google Sheets, export to Excel first.

Import your spreadsheet →

An example import review: three rows from a card spreadsheet beside the cards and points program Miles matched them to
Miles· Example wallet
Example wallet: three rows from a card spreadsheet and what Miles matched them to. Nothing is written to your wallet until you confirm.
In your sheetMiles reads
CSRChase Sapphire ReserveCard you hold
Gold (Amex)Amex GoldCard you hold
UR pointsChase Ultimate RewardsPoints balance

Where to use Miles

Works in your browser, and inside the AI assistant you already use.

  • Miles Cloud

    Save your wallet and get personalized answers based on current card and program data.

    Ask Miles

  • Miles for your AI

    Bring your wallet, point valuations, and transfer math into the AI assistant you use or an agent you run.

    Connect your AI

Compare all options →

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.

Ask Miles

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