Miles is your personal credit card and loyalty program rewards assistant. We analyze 180 credit cards to help you maximize your points and miles by recommending the best card for each purchase—based on your wallet, and with Navigate, your personal points valuations.
We've examined every detail of each card in our database. Simply tell Miles a merchant or category where you plan to make a purchase, and we'll analyze all the cards in your wallet to determine which one gives you the highest return in points, miles, or cash back. We also consider your personal points valuations (with Navigate access) for truly customized recommendations.
Miles uses a structured database of card benefits and rewards rules, plus a maintained library of points-and-miles reference material. We update this information regularly as programs and card benefits change.
Miles aggregates public information from card issuers, loyalty programs, and expert sources, then normalizes and updates it daily in a structured system designed for comparison and decision-making. When cards change, offers expire, or programs evolve, we update the dataset to keep recommendations grounded in current reality.
You can ask questions like:
Miles is available through our web app or via SMS from any device (with Navigate access at $5+/month).
We don't currently offer a native mobile app, but you can add our web app to your device's home screen for a full-screen experience that feels like an app.
When signing up, you'll be guided through adding your cards from our database of 180 options. If a card isn't yet listed, you can still add it manually—our team will be notified to include it in our database. You can update your wallet anytime from the Credit Cards page.
The Card Snapshot gives you a single-page view of everything your wallet offers — designed to help you optimize your cards and make sure you're not leaving value on the table.
It shows all your statement credits and benefits (organized by how often they refresh), your best earning rates by category, and all the transfer partners available across your cards. Instead of checking each card's terms separately, you get one consolidated view.
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.
Yes. Miles can track your gift cards and store credits so you don't forget to use them.
Yes. Miles can tell you which programs transfer to which airlines and hotels, including transfer ratios, known transfer bonuses (when available), and sweet spot guidance.
Yes. Supporters can set custom valuations for all major transferable points, airline miles, and hotel points—ensuring recommendations align with your earning and redemption strategies.
Yes. We track quarterly bonus categories for cards like Chase Freedom Flex and Discover it, including activation requirements.
Supporting Miles uses pay-what-you-want pricing starting at $1/month. You choose your monthly support amount. SMS access with smart assistant integration (Siri, Google, etc.) is included at $5+/month.
Our recommendations are based on continuously updated card data, your wallet configuration, and (with Navigate) your points valuations. We factor in earning rates, bonus categories, transfer partners, and redemption options to give you a best choice based on the information available. When assumptions apply (like merchant classification), Miles calls them out.
Your account will revert to Explore mode at the end of your current billing period. You'll keep your saved cards and settings but will be limited to 5 queries per month, 3 cards in your wallet, and won't be able to add new cards until you're under the limit.
Supporters at $5+/month can text Miles directly and use voice commands like, "Hey Siri, text Miles: Which card should I use at Target?" Responses arrive via standard SMS. You'll receive a contact vCard to save for quick access.
Yes. Your privacy and security are top priorities. We use industry-standard encryption and security measures to protect your data. Miles never requires access to your actual accounts—only to your card list. See our Privacy Policy for more details.
Simply visit our website and sign up for a free account. You'll get 10 trial queries to try deeper analysis. Once registered, you can start chatting through the web app—or support Miles for more queries and SMS access.
