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.

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Cards tracked
209
Data checked
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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.

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 Freedom Unlimited returns the most in year one, and its points transfer once you add a Sapphire card.

Verdict:First card

Freedom Unlimited

Example wallet: none yet. Estimated first-year value includes the sign-up bonus. The ranking changes with a different starting wallet.
CardFee1st-year value
Best first card: Freedom Unlimited$0≈ $296
Wells Fargo Active Cash$0≈ $195
Capital One Savor$0≈ $190

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.

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.

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

$4,254 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$462
Amex PlatinumAmex Membership Rewards$895$1,946
Sapphire ReserveChase Ultimate Rewards$795$1,724
Costco Anywhere VisaCash Back$0$122
Total, after fees$2,015+$4,254
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. Tell Miles which award you want and which points you hold. Miles compares the transfer ratios and current bonuses, then shows what each path delivers.

How it works →

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

Amex. There's a 30% transfer bonus running: 77,000 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 09/27/26. Points kept are valued at Miles' 1.5¢ per Amex point. Computed from the balances you give; Miles never logs into your accounts.
RouteSentAvios
Best route: Amex MR1:1 + 30% bonus through 9/2777,000100,100
Chase UR1:1, no bonus100,000100,000
Points kept23,000≈ $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.

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
No ads, no paid placement · Your wallet, your math
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.

Where to use Miles

Use Miles on the web, or connect your wallet to Claude or another AI app you already use.

  • Miles Cloud

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

    Try Free

  • 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.

    Connect to Claude

Compare all options →

With an award-search connector alongside Miles, your AI can plan the full sequence: find award seats, compare the transfer paths, and choose the card for taxes and fees. See the workflow →

Ask Miles about your next card decision.

Free to start. Your wallet, your math.

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