Built for people who take points seriously.

Premium credit cards are genuinely complex. Sign-up bonus eligibility rules vary by issuer, benefits expire on fixed schedules, and annual fee decisions require knowing your full portfolio history — not just the card in your hand.

Most people track this in a spreadsheet. It works until it doesn't — missed credits, forgotten cooldown windows, applications that get denied because of rules you didn't know applied.

Points Applied is a tool for managing your card portfolio clearly: which cards you hold, when you opened them, what bonuses you've earned, and what benefits are coming up. No linked bank accounts, no credential exposure — you enter what you know, and the app keeps it organized.

This blog covers the strategy layer: issuer rules explained, sign-up bonus guides, annual fee decision frameworks, and benefit optimization. Everything here is designed to help you make better decisions with the cards you already have — and the ones you're considering next.