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 217 cards and current program data. Miles also handles the everyday case: which card to use for a given purchase.

Yes, with the Atmos earning calculator. Atmos Rewards members can choose whether flights from January 1, 2027 earn by distance traveled, price paid, or segments flown. Choosing is optional and has been open since October 1, 2026, and you can change the choice once per calendar year. The calculator runs your flights through all three. Copy the prompt on the page into ChatGPT, Claude, or another assistant with your trips, then paste the JSON it returns. The tool shows redeemable and status points separately under the announced 2027 rules. Travel from 2025 or 2026 is replayed under those rules, not an audit of past earnings. Missing information and unpublished rules remain unresolved. You can also ask Miles to compare your bookings in chat.

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 Member tools. After that, your account continues on Free. Members keep those tools and get a much larger monthly budget. 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.

Miles has an iPhone app. The Miles iPhone app is not yet available on the App Store. See the iPhone guidefor sign-in and app features. You can also add the website to your home screen, where it opens full-screen. Adding the website does not install the iPhone app.

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

The Miles iPhone app is not yet available on the App Store. In the app, choose Sign in with Apple, Continue with Google, or Continue with email. Email sign-in sends a six-digit code. When an available passkey is detected, the screen also offers Sign in with Face ID. iPhone sign-in guide.

Sign in to the iPhone app and add your cards first. Say “Which card at Costco with Miles”, or “Which card should I use with Miles” to have Siri ask for a store. For categories, try “Best card for groceries with Miles” or “Which card for dining with Miles”. Category choices include dining, groceries, gas, travel, and everything else. In Shortcuts, choose Miles’ Which card at a store or Which card action. If Siri does not recognize a store, answer the follow-up question or enter it in Shortcuts. The lookup requires device authentication. Siri and Shortcuts guide.

Which card shows the last checked answer, a saved category or place, or Rotate through saved answers. It supports Home Screen and Lock Screen sizes. My cards shows saved card answers for the categories and places you choose, or your shortcut order if you choose none, in medium and large Home Screen sizes. Widgets read saved answers rather than fetching new recommendations; tap to open Miles if an answer is missing or stale. The Which card control in Control Center opens the app’s Which card tab. Widgets and controls guide.

By default, tracked credits with value left appear from the day their period starts. Tap Select in the top bar of Decisions to choose multiple rows, then use the available Done, Snooze, or Skip this period actions. Press and hold a decision or open More for the snooze menu: Tomorrow, Next week, and, when available, 7 days before it expires or is due. Snooze is not offered on the due day. Skip this period hides a credit’s current period without recording it as used; it returns next period. In Settings, then Decisions, Show credits changes when credits appear, and Snooze a credit changes the default snooze. These settings follow your account across devices. Decisions on iPhone guide.

Open Settings, then Membership. If eligible, choose a monthly or annual plan and tap Become a Member to buy through your Apple Account at the price shown in the app. Restore Purchases checks current Apple subscriptions; use the Miles account that owns the purchase. For an Apple-billed Membership, Manage Subscription opens Apple’s subscription settings to manage or cancel it. If you already pay on the web, sign in to that Miles account: the app recognizes the active Membership, says it is managed on the web, and offers no second subscription to buy. Manage web billing on the web. Membership on iPhone guide.

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.

Yes. The credit card catalog lists every card in the dataset with a detail page for each one, readable while signed out.

The public data changelog logs fee moves, new cards, and benefit changes as the dataset is updated.

Yes. api.askmiles.ai serves a free schema: card data (rates and values stripped), transfer partners, and point valuations, read-only and with no account needed. Full reference on /developers.

Signup walks you through adding your cards from the 217 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.

Your card counts by issuer and network, a lounge-access summary, a credits summary, and every transfer partner across the cards you hold. Ask Miles for any one of your cards by name to see just that holding, or open Wallet to see it all at once.

Yes. Edit or remove any card from Wallet or Settings → Cards. Miles supports holding more than one of the same card, and a product change (the issuer moving your account to a different card) is handled as an update to the existing entry rather than a new one.

Yes, with Membership. Alongside hotel free-night certificates, Miles tracks airline companion fares, points-off companion awards, and countable lounge-visit passes from Perks. Read more on the Certificates page.

Yes. Open a certificate in Wallet or Perks and add a short note, such as what it is for or where it is booked, and set the date it was earned or its real expiry date if Miles only has an estimate. You can do the same from chat or from a connected AI app.

Yes. Tell Miles what you hold in each program and it keeps a dated balance for every one, used in transfer and portfolio questions. Miles never asks for a loyalty-account login and does no scraping; a balance is only ever what you (or a connected AI app you approved) told it. Manage balances from Wallet → Balances.

Every balance change keeps a 90-day encrypted record of what it replaced, so a wrong number, whether you typed it or a connected AI app wrote it, can be put back. A write that lands far from what was on file is marked for review instead of silently replacing it. See recent changes on the wallet board.

Yes. Ask Miles about lounge access, hotel status, travel and purchase protections, or any other elite perk across your wallet, filterable by benefit name.

Ask Miles for your travel-day checklist: lounges you can enter, travel credits worth using (Global Entry, CLEAR, an airline fee credit, rideshare), your travel protections, and, if you name an airline, your status and its perks on that airline.

Yes. The Card Snapshot page has a share control that creates an anonymized, read-only link anyone can open, with no sign-in and no personal identifiers. Read more on the Card Snapshot page's “Share a read-only copy” section.

Miles checks for expiring credits, certificates, annual fees, sign-up-bonus deadlines, transfer bonuses, changes to cards on your watchlist, and new cards with no autopay recorded. The Credits page shows how long each credit has left. In the iPhone app, the Decisions tab lists what needs attention and Miles sends alerts before deadlines. Members get alerts for credits, fees, and deadlines (monthly credits excepted); on Free, alerts cover transfer bonuses. The Miles iPhone app is not yet available on the App Store. A connected AI app can also pull the list directly, with read access alone.

Yes, with Membership. Add a card to your Watchlist with a note on why, see your own eligibility for it, and set a “Decide by” date; the Watchlist shows when it is due or overdue. Watch a card straight from its page in the catalog, and promote it into your wallet the day you apply.

Some cards’ points only transfer to airlines and hotels when someone in your household also holds a partner card. Until then they’re worth their cash value. With Membership, put that partner card on your Watchlist and Miles values the points as transferable in chat, since points you earn now can move once you have it. Answers say when they assume this. Your wallet page and snapshots still show today’s value.

Yes, with Membership. Tell Miles your tier on an airline or hotel program and it folds the benefits that tier grants into its answers, from lounge access to upgrade priority.

Ask Miles what's ending this month and it checks transfer bonuses, sign-up-bonus deadlines, annual fees, and free-night, companion, and status certificates across your wallet in one pass.

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.

Yes. Ask for your full spending strategy and Miles ranks the best card in your wallet for every major spending category in one pass, netting out foreign transaction fees when a purchase is international.

Yes. Tell Miles roughly what you spend per month by category and it computes the annual rewards value your wallet earns, using your own point valuations. You can add cards you don't hold yet to see what they would add.

Yes. Ask Miles about upgrade or downgrade options within a card's family or issuer, and it weighs what you would gain and lose against your wallet before suggesting one. See the downgrade path on the Keep or Cancel page.

Yes. Ask for cards ranked by annual fee, issuer, category, specific benefits, sign-up bonus size, foreign transaction fee, or how recently they were added to the dataset.

Yes. Ask Miles for the top offers by first-year value, or narrow it to offers that are expiring soon.

Yes. Tell Miles your balances and what you want to book, hotels, premium flights, cheap flights, or cash, and it ranks the best use for each balance, how close it gets you to a named award, and whether your wallet still earns toward it. Award availability is never checked; the answer says so.

Ask Miles which frequent-flyer program to credit a specific flight to. It ranks programs by what the miles are worth to you, your own point valuations, your balances, and your elite tier, using earning rates from wheretocredit.com. Status miles are reported, not reasoned about.

Free includes the full card directory, comparisons, your wallet and chat with a monthly budget. You can ask Miles which card to get next, what to keep or cancel and where to transfer your points.

Membership adds running totals of the credits you mark used and tracks your certificates. You get reminders before credits and certificates expire, annual fees arrive or sign-up bonus deadlines pass. Free reminds you which credits your cards include.

Membership also adds:

• Your point values: Set what your points are worth to you. Every answer uses your values.
• Your household and elite status: Your partner's cards, each person's 5/24 count and your airline and hotel status change what Miles recommends.
• Your chat budget: Members get a much larger monthly budget.

Choose $4.99 a month or $49.99 a year. Both plans include all Member features. Your Membership works on web and iPhone when you use the same Miles account.

You don't enter the benefit details: Miles fills in credits, amounts, reset schedules, certificates, annual fee dates and sign-up bonus deadlines from the cards and opening dates you've already added for free. Certificate expirations are estimates you can correct, and certificates with spending requirements stay pending until you confirm them. Miles can't connect to your bank or see transactions, so mark credits used in chat or on the Credits page, or set them to count as used automatically each period. Add your partner's cards and opening dates once too, and tell Miles your status tiers once, updating them when they change.

Membership renews automatically until you cancel. Manage a web subscription in Miles Settings or an iPhone subscription in your Apple Account.

Become a Member.

Yes. Membership is free for 7 days, once per account. On the web you add a card when you start; cancel before the trial ends and you aren't charged. When it ends, Membership renews at the Membership price unless you cancel. Where the App Store offers it, the iPhone app shows the same trial on its purchase screen.

During the trial you get every Member feature and a trial budget for chat that is larger than Free's. See Membership.

Membership is $4.99 a month or $49.99 a year; every Member feature comes with either plan. Full breakdown of what the money pays for: how Miles makes money.

When your current billing period ends, you return to Free. Everything you've saved stays available to view and export, and you can't change your saved Member details unless you rejoin. Answers use Miles's default point values until then. Deadline reminders stop, free credit reminders continue and chat uses Free's monthly budget.

Email yourself a one-time magic link, no password to remember, or sign in with Google (including Google One Tap) or Apple.

Yes. Register, name, rename, and remove passkeys from Settings → Security, then sign in with one instead of a magic link.

Yes. /try is a real chat session with no account required.

Yes. Settings → Your Data gives every account a full JSON export: profile, conversations, wallet, preferences, and memory.

Yes. Import takes the same file Download My Data writes (or a spreadsheet; Miles works out which one you gave it) and, for a data export, lets you pick which parts to bring in and whether to merge them into your current wallet or replace it.

Deleting your account destroys the encryption key unique to it, so your conversations, wallet, and memory become unreadable everywhere, including backups. Start from Settings → Your Data.

Account emails (things like sign-in and billing) are required. Product-update emails are opt-out from Settings → Email Preferences. Every email Miles sends you on a schedule also carries a one-click unsubscribe link.

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.

With read access (the default), a connected app can see your wallet, card data, transfer math, offers, eligibility, keep-or-cancel and product-change analysis, travel-day summaries, valuations, knowledge search, your balances, and more. It cannot change anything on read access alone.

Only if you turn on write access at consent, separately from read access. With it on, a connected app can add, update, or remove cards, set point valuations, and update certificate, credit, and gift-card status. With read access alone, a connected app can also pull the needs-attention list and answer questions a transactions-reconciliation app asks, neither of which chat exposes directly.

From Settings → Connected AI Apps, disconnect any app on its own, or pause every connected app at once. Each one shows when it was last used.

Yes. Miles extracts facts from your conversations and reuses them in later answers, so you don't have to repeat yourself. Memory is encrypted like the rest of your data and is deleted with your account.