# Miles

> Miles is a credit card rewards assistant. It reads a person's own wallet (their cards, benefits, and point valuations) against current card and transfer-partner data, and answers from those numbers rather than from recall.

This file lists every Miles capability that has a public page, grouped by area, generated from the same registry those pages render from.

## Your wallet

- [Card Credits](https://askmiles.ai/features/card-credits?utm_source=llms&utm_medium=assistant): Track each statement credit's amount, period, and status.
- [Certificates](https://askmiles.ai/features/free-nights?utm_source=llms&utm_medium=assistant): Track free-night certificates, airline companion fares and awards, and lounge passes through expiration.
- [Point Valuations](https://askmiles.ai/features/valuations?utm_source=llms&utm_medium=assistant): Set a value for each points currency and use it in every Miles calculation.
- [Gift Cards](https://askmiles.ai/features/gift-cards?utm_source=llms&utm_medium=assistant): Track gift cards and store credits alongside your credit cards.
- [Card Snapshot](https://askmiles.ai/features/snapshot?utm_source=llms&utm_medium=assistant): Create a shareable summary of your cards, credits, perks, earning rates, and transfer partners.
- [5/24 and Issuer Rules](https://askmiles.ai/features/application-rules?utm_source=llms&utm_medium=assistant): Five recent-card rules checked against your cards: Chase 5/24, Wells Fargo 5/24, Barclays 6/24, Bank of America 3/12, US Bank 5/12.
- [Import your spreadsheet](https://askmiles.ai/faq?utm_source=llms&utm_medium=assistant#import-spreadsheet): Upload the spreadsheet you already keep and Miles reads your cards, closed cards and program balances into your wallet; you review and confirm before anything is saved.

## Card and points decisions

- [Next Card](https://askmiles.ai/features/next-card?utm_source=llms&utm_medium=assistant): Cards that add value to your current wallet, filtered by issuer application rules.
- [Keep or Cancel](https://askmiles.ai/features/keep-or-cancel?utm_source=llms&utm_medium=assistant): The value you receive from a card compared with its annual fee, including the option to downgrade.
- [Transfers](https://askmiles.ai/features/transfers?utm_source=llms&utm_medium=assistant): Transfer options compared by ratio, current bonuses, and your valuations.
- [Which Card](https://askmiles.ai/features/which-card?utm_source=llms&utm_medium=assistant): The best card in your wallet for a purchase, based on category rules, network restrictions, and your valuations.
- [Atmos earning calculator](https://askmiles.ai/tools/atmos-earning?utm_source=llms&utm_medium=assistant): Atmos Rewards members can choose how flights earn from 2027 (distance traveled, price paid, or segments flown). See which choice earns you more on your own flights.

## Where to use Miles

- [Weekly Update](https://askmiles.ai/features/weekly-update?utm_source=llms&utm_medium=assistant): Ask for a current summary of program changes, card data updates, transfer bonuses, and notable offers.
- [Connect your AI](https://askmiles.ai/connect?utm_source=llms&utm_medium=assistant): Use Miles from Claude, Codex, or ChatGPT with access to your wallet, valuations, and transfer calculations.
- [What's possible](https://askmiles.ai/workflows?utm_source=llms&utm_medium=assistant): Use Miles with other AI connectors to combine award search, trip planning, and spending decisions in one conversation.
- [Apps](https://askmiles.ai/download?utm_source=llms&utm_medium=assistant): Compare Miles Cloud, connected AI apps, and self-hosting side by side.
- [Wallet from your credit reports](https://askmiles.ai/workflows/wallet-from-credit-reports?utm_source=llms&utm_medium=assistant): Hand your free credit reports to an AI app with Miles connected, and it writes every open and close date into your wallet so your 5/24 count matches what an issuer sees.
- [Credits and free nights from your statements](https://askmiles.ai/workflows/credits-from-your-statements?utm_source=llms&utm_medium=assistant): Hand your card statements to an AI app with Miles connected, and it marks each credit as used or still open and confirms which spend-triggered free nights you earned, from the transactions rather than from memory.
- [A card at its annual fee](https://askmiles.ai/workflows/card-at-its-annual-fee?utm_source=llms&utm_medium=assistant): When a fee posts, hand the statement and the issuer's retention offer to your AI, and it runs the keep or cancel math against Miles, checks what a downgrade forfeits, and records the decision you made.
- [The Hilton Aspire and Surpass shuffle](https://askmiles.ai/workflows/hilton-aspire-surpass-shuffle?utm_source=llms&utm_medium=assistant): Earn the Surpass's $15,000 free night, upgrade to the Aspire for its anniversary night and credits, and downgrade once the night posts, with your AI keeping every certificate, credit and date in Miles across each change.
- [Miles with a local model](https://askmiles.ai/workflows/miles-with-a-local-model?utm_source=llms&utm_medium=assistant): Run the model on your own computer with LM Studio or Ollama, connect it to Miles, and ask about your wallet with nothing you type or upload leaving your machine.

## The card catalog and rankings

- [Credit Card Catalog](https://askmiles.ai/credit-cards?utm_source=llms&utm_medium=assistant): Browse every card Miles tracks, compare annual fee against estimated value, and see which cards are already in your wallet.
- [Best Cards for Dining](https://askmiles.ai/credit-cards/best-for/dining?utm_source=llms&utm_medium=assistant): Every card Miles tracks that earns a bonus on dining, ranked by what it returns: the rate priced against the points it earns, with caps and conditions shown.
- [Best Cards for Groceries](https://askmiles.ai/credit-cards/best-for/groceries?utm_source=llms&utm_medium=assistant): Every card Miles tracks that earns a bonus on groceries, ranked by what it returns: the rate priced against the points it earns, with caps and conditions shown.
- [Best Cards for Gas](https://askmiles.ai/credit-cards/best-for/gas?utm_source=llms&utm_medium=assistant): Every card Miles tracks that earns a bonus on gas, ranked by what it returns: the rate priced against the points it earns, with caps and conditions shown.
- [Best Cards for Travel](https://askmiles.ai/credit-cards/best-for/travel?utm_source=llms&utm_medium=assistant): Every card Miles tracks that earns a bonus on travel, ranked by what it returns: the rate priced against the points it earns, with caps and conditions shown.
- [Best Cards for Flights](https://askmiles.ai/credit-cards/best-for/flights?utm_source=llms&utm_medium=assistant): Every card Miles tracks that earns a bonus on flights, ranked by what it returns: the rate priced against the points it earns, with caps and conditions shown.
- [Best Cards for Transit](https://askmiles.ai/credit-cards/best-for/transit?utm_source=llms&utm_medium=assistant): Every card Miles tracks that earns a bonus on transit, ranked by what it returns: the rate priced against the points it earns, with caps and conditions shown.
- [Best Cards for Hotels](https://askmiles.ai/credit-cards/best-for/hotels?utm_source=llms&utm_medium=assistant): Every card Miles tracks that earns a bonus on hotels, ranked by what it returns: the rate priced against the points it earns, with caps and conditions shown.

## Developer docs

- [All MCP tools](https://askmiles.ai/docs/mcp/tools.md?utm_source=llms&utm_medium=assistant): Every MCP tool Miles exposes, grouped by domain, on one page: the fetch an agent makes instead of nine.
- [Personal API key](https://askmiles.ai/docs/getting-started/personal-key?utm_source=llms&utm_medium=assistant): Mint a key in Settings, paste it into an OpenAI client, and ask Miles a question from your own code in four steps.
- [OAuth app](https://askmiles.ai/docs/getting-started/oauth-app?utm_source=llms&utm_medium=assistant): Register a client, send a user through consent, and call Miles on their behalf: the full OAuth 2.1 sequence, with every request and response.
- [Connect over MCP](https://askmiles.ai/docs/getting-started/mcp?utm_source=llms&utm_medium=assistant): Add the Miles server to Claude Code or Codex, approve it once in the browser, and call a wallet tool: three steps.
- [Chat API overview](https://askmiles.ai/docs/chat-api/overview?utm_source=llms&utm_medium=assistant): An OpenAI-compatible endpoint that returns the answer Miles would give on the site: one model, no server-side state, read-only tools.
- [Requests and streaming](https://askmiles.ai/docs/chat-api/request-and-streaming?utm_source=llms&utm_medium=assistant): The request body, a complete non-streaming call, and a streaming call with what each server-sent chunk looks like.
- [Rate limits](https://askmiles.ai/docs/chat-api/rate-limits?utm_source=llms&utm_medium=assistant): Requests per minute and turns at once, counted per grant, with the headers every response carries so a client can plan around them.
- [Errors](https://askmiles.ai/docs/chat-api/errors?utm_source=llms&utm_medium=assistant): Every status the Chat API returns, with its type, code, cause and fix, in the OpenAI error envelope.
- [MCP overview](https://askmiles.ai/docs/mcp/overview?utm_source=llms&utm_medium=assistant): The Miles MCP server: its URL, the two scopes, what Membership gates, how a third-party client's results are redacted, and the schema promise.
- [Quotas and refusals](https://askmiles.ai/docs/mcp/quotas?utm_source=llms&utm_medium=assistant): The four daily ceilings, when they reset, what a refusal looks like on the wire, and how to tell a spent ceiling from a scope or Membership refusal.
- [What is not a tool](https://askmiles.ai/docs/mcp/what-is-not-a-tool?utm_source=llms&utm_medium=assistant): Fourteen capabilities the chat pipeline has that the MCP server deliberately does not expose, and the reason for each.
- [Cards](https://askmiles.ai/docs/mcp/tools/cards?utm_source=llms&utm_medium=assistant): Search the card catalog and get a card, comparison, or offer recommendation grounded in a member's own wallet.
- [Transfer partners](https://askmiles.ai/docs/mcp/tools/transfer-partners?utm_source=llms&utm_medium=assistant): Transfer partner routes and ratios, point valuations, and running a transfer plan against a member's balances.
- [Wallet](https://askmiles.ai/docs/mcp/tools/wallet?utm_source=llms&utm_medium=assistant): The wallet itself: its cards, benefits, spending strategy, eligibility, and the tools that add or update a card.
- [Balances](https://askmiles.ai/docs/mcp/tools/balances?utm_source=llms&utm_medium=assistant): Loyalty-point balances a member has told Miles about, and the reconciliation questions a transactions agent could answer.
- [Credits and certificates](https://askmiles.ai/docs/mcp/tools/credits-and-certificates?utm_source=llms&utm_medium=assistant): Annual credits, certificates, and free-night awards: what a card grants and what's already been used.
- [Gift cards](https://askmiles.ai/docs/mcp/tools/gift-cards?utm_source=llms&utm_medium=assistant): The gift cards in a member's wallet, and adding, updating, or removing one.
- [Elite status](https://askmiles.ai/docs/mcp/tools/elite-status?utm_source=llms&utm_medium=assistant): Elite status tiers a member holds and the benefits each one grants.
- [Watchlist](https://askmiles.ai/docs/mcp/tools/watchlist?utm_source=llms&utm_medium=assistant): Cards a member is tracking to apply for, with notes and status.
- [Knowledge](https://askmiles.ai/docs/mcp/tools/knowledge?utm_source=llms&utm_medium=assistant): Retrieval over Miles' points-and-miles knowledge base, for explanation and strategy questions the structured tools don't cover.
- [All MCP tools](https://askmiles.ai/docs/mcp/tools?utm_source=llms&utm_medium=assistant): Every MCP tool Miles exposes, grouped by domain, on one page: the fetch an agent makes instead of nine.
- [Catalog endpoints](https://askmiles.ai/docs/catalog/endpoints?utm_source=llms&utm_medium=assistant): The free, keyless catalog API: credit card, transfer partner, and point valuation data.
- [Catalog errors](https://askmiles.ai/docs/catalog/errors?utm_source=llms&utm_medium=assistant): What a catalog request returns when it doesn't succeed.
- [OpenClaw](https://askmiles.ai/docs/agents/openclaw?utm_source=llms&utm_medium=assistant): Connect an OpenClaw agent to Miles two ways: the wallet over MCP, and Miles' chat answers as a skill.
- [Skills](https://askmiles.ai/docs/agents/skills?utm_source=llms&utm_medium=assistant): Two installable skill files, what each teaches an agent, and why the URL is the upgrade path.
- [Error codes](https://askmiles.ai/docs/reference/error-codes?utm_source=llms&utm_medium=assistant): Every refusal code the MCP tools, the chat tools and the Chat API emit, with what it means and what to send next.
- [Trust](https://askmiles.ai/docs/trust?utm_source=llms&utm_medium=assistant): Where the data comes from, how it is maintained, and how Miles makes money, for a developer deciding whether to build on it.
- [Changelog](https://askmiles.ai/docs/trust/changelog?utm_source=llms&utm_medium=assistant): Dated changes to the MCP server and the Chat API that a client could notice, newest first.
- [Stability](https://askmiles.ai/docs/trust/stability?utm_source=llms&utm_medium=assistant): What Miles promises not to change on the MCP server and the Chat API, how a breaking change ships when one must, and the exceptions on record.

## How Miles answers

- [Where answers come from](https://askmiles.ai/features/how-miles-answers?utm_source=llms&utm_medium=assistant): Miles checks its maintained card data, your wallet, its reference library, and, when needed, the open web.

## About, data, and trust

- [Frequently Asked Questions](https://askmiles.ai/faq?utm_source=llms&utm_medium=assistant): Straight answers about how Miles works: where the card data comes from, how it makes money, what it does with your wallet, and what it will not do.
- [About Miles](https://askmiles.ai/about?utm_source=llms&utm_medium=assistant): Miles is built and run by one person, Andy Assareh. It carries no ads and no paid placement.
- [Security](https://askmiles.ai/security?utm_source=llms&utm_medium=assistant): How Miles protects your data, and where that protection ends.
- [Data Changelog](https://askmiles.ai/changelog?utm_source=llms&utm_medium=assistant): Every dataset change, on the record: sign-up bonuses, annual fees, transfer bonuses, and valuations, day by day.
- [Developers](https://askmiles.ai/developers?utm_source=llms&utm_medium=assistant): Three ways to build on Miles: a free, keyless catalog API; 58 MCP tools over your user's wallet; and an OpenAI-compatible endpoint that returns Miles' own answer.