Frequently Asked Questions

Miles is your personal credit card and points advisor. It weighs what to get next, whether a card is worth keeping at renewal, and what your points and miles are worth and where to move them, computed from 207 cards and current program data. Miles also handles the everyday case: which card to use for a given purchase.

Miles reads every field of every card in the dataset: fees, earning rates, credits, transfer partners, and sign-up bonuses. Ask about a renewal fee, a points balance, or your next card, and Miles weighs it against your wallet and current program data, showing the math behind its answer. For an everyday purchase, tell Miles the merchant or category and it checks every card in your wallet for the highest return in points, miles, or cash back, using your own points valuations.

You can ask questions like:

• “Is the Chase Sapphire Reserve generally worth its annual fee?”
• “I need 100k Flying Blue — which of my points should I transfer?”
• “What's 100k Amex points actually worth?”
• “What should my next card be?”
• “Which card should I use at Target?”
• “What's the best card for groceries?”
• “Which cards offer CLEAR credits?”
• “Compare the Amex Gold vs Chase Sapphire Preferred.”

See what else Miles tracks and answers on the Features page.

Sign up for a free account at askmiles.ai. Your first 10 questions include the wallet-management tools. After that, your account continues on Free. Members keep those tools, have no monthly limit, and get the full weekly email about the credits, fees, and deadlines that need attention. Become a Member.

Start with whichever fits how you work:

• Web app: sign up free and chat with Miles at askmiles.ai.
• Inside Claude or another AI assistant: connect your wallet via MCP and ask without leaving the app you're already in.

Not yet. You can add Miles to your home screen, and it opens full-screen like an app.

• On iPhone: Follow these instructions.
• On Android: Follow these instructions.

A structured database of card benefits and rewards rules, plus a reference library of points-and-miles articles. Both are maintained. See what Miles checks and how updates reach answers: how the data is maintained. Which source answers which question is covered on the Where answers come from page.

Checked daily against public information from card issuers and loyalty programs. What that check covers, and how fast a change reaches an answer: how the data is maintained.

Computed from the card dataset, your wallet, and your points valuations, with the math shown whenever it decides the answer. Where an answer can still be wrong, and how to check it: how the data is maintained.

No issuer can buy a place in an answer, and there are no sponsored slots. An apply link, when one exists, appears after the verdict and is never an input to it. The answer notes that some of those links may pay a referral. That note is one line covering every link rather than a mark on each, because the card data holds a single apply link per card and nothing records which are referrals. Full explanation: how Miles makes money.

Signup walks you through adding your cards from the 207 cards in the catalog. If a card isn't listed yet, add it manually; it is flagged for the next dataset update. You can update your wallet anytime from the Credit Cards page.

No. Upload the file at Import and Miles reads the cards you hold, the ones you have closed, and any program balances it finds, matching each card to its entry in the catalog. You review what it read, uncheck anything wrong, and confirm. Nothing is written to your wallet until then, and a finished import can be undone for 30 days.

Miles reads .xlsx files; from Numbers or Google Sheets, export to Excel first. Sheets that list cards you are only considering are kept out of your wallet. You can upload before creating an account and see what Miles read; saving it needs one.

The Card Snapshot is a single page listing everything your wallet offers: your statement credits and benefits, organized by how often they refresh; your best earning rates by category; and every transfer partner across your cards.

Miles does not see your spending or whether you've used specific credits. The Card Snapshot reflects what your cards offer, not how you use them.

You can generate your Card Snapshot by asking Miles “Generate my card snapshot” or by visiting the Card Snapshot page. Read more on the Card Snapshot feature page.

Yes, with Membership. Set your own valuations for all major transferable points, airline miles, and hotel points. Every recommendation then uses your numbers instead of the starting values Miles provides.

Ask Miles “What are my point valuations?”, or read more on the Point Valuations page.

Yes, with Membership. Household Profiles let you add household members and assign cards to each person. Eligibility rules like Chase 5/24 are tracked per person, so you know who should apply next.

If your Membership lapses, your household data is preserved; become a Member again anytime to pick up where you left off.

Yes, with Membership. Every statement credit your cards offer, tracked against its own reset date: a semi-annual credit's amount applies to each period separately, and Miles keeps each one straight so a reset doesn't pass unused. Miles reads the terms from each card; whether a credit has posted is something you tell it.

Ask Miles “What credits do I have?”, or read more on the Card Credits page.

Yes, with Membership. Miles tracks every certificate your cards earn (hotel free nights, airline companion fares and awards, and lounge-pass bundles) and roughly when each one expires. What's available, what's still pending a confirmed spend threshold, and what's already used are all kept straight. It does not book anything: a flight, a hotel stay, or a lounge visit is still yours to arrange.

Ask Miles “What certificates do I have?”, or read more on the Certificates page.

Yes. Miles can track your gift cards and store credits so you don't forget to use them.

Ask Miles “What gift cards do I have?”, or read more on the Gift Cards page.

Yes. Tell Miles the award you're after and what points you hold. It ranks your currencies by transfer ratio and current bonuses, and shows which points to send and what each transfer path delivers.

Ask Miles “Which points and miles programs transfer to World of Hyatt?”, or read more on the Transfers page.

Yes. Miles tracks quarterly bonus categories for cards like Chase Freedom Flex and Discover it, including activation requirements.

• Free: adding, editing, and tracking the cards in your wallet, the Card Snapshot, keep-or-cancel, gift-card tracking, connected AI apps with read and write access, and export. Chat includes 30 questions a month. New users get 10 trial questions with the wallet-management tools included. The weekly email covers transfer bonuses on your programs and changes to cards you're watching, and it only sends in a week when something changed.
• Member: no monthly limit, the tools for managing the cards you already have (custom point valuations, elite status tracking, household profiles, card credits, and certificates), and the full weekly email, which adds the fees, credits, certificates and deadlines on the cards you hold.

Here's what Membership adds:

• No monthly limit
• Managing the cards you already have: custom point valuations, elite status tracking, household profiles (with per-person eligibility tracking), a per-card wallet dossier, card credits, free-night and companion certificates, and the watchlist

Adding cards to your wallet, the Card Snapshot, keep-or-cancel, gift-card tracking, connected AI apps, and export stay free for every account. Membership is $5 a month or $50 a year. Become a Member to get started.

Membership is $5 a month or $50 a year; every Member feature comes with either plan. Full breakdown of what the money pays for: how Miles makes money.

Your account reverts to Free at the end of your current billing period. Everything you've saved stays yours (cards, valuations, settings) and the wallet tools stay fully open. Chat returns to 30 questions a month.

Miles never asks for card numbers or bank logins. It only knows which cards you say you hold. Your conversations, wallet, and memory notes are encrypted with a key that belongs to your account alone, and deleting your account destroys that key. The Security page explains how this works and where the protection ends; the Privacy Policy lists exactly what is kept.

Yes. Let Claude Code, Codex CLI, claude.ai, Claude Desktop, or ChatGPT use your Miles wallet directly, without leaving the app you're already in.

Full setup guide →

Once it is connected, a step-by-step guide shows what an AI app can do with your wallet: bring your open and close dates in from your credit reports.