FAQ

Points Applied is a credit card portfolio management tool. It helps you track which cards you hold, when you opened them, what sign-up bonuses you've earned, and which benefits are coming up for renewal. It's designed for people who take rewards strategy seriously and want one organized view of their full card portfolio and history.

There is no fee for using Points Applied.

No. Points Applied does not link to any bank accounts, credit card accounts, or financial institutions. You enter your card information manually. There is no Plaid integration, no credential storage, and no read access to your financial accounts. Your data stays private by design.

You enter the cards you hold or have held, along with details like:

• Card name and issuer
• Application and approval date
• Sign-up bonus amount and whether you earned it
• Annual fee
• Any notes you want to keep

The app uses that information to calculate metrics like your Chase 5/24 status, lifetime sign-up bonus value, and upcoming annual fee windows.

You can track any credit card — all major issuers (Chase, Amex, Citi, Capital One, Bilt, etc.) are included in the card catalog. You can also add custom cards manually for cards not in the system, such as cards from credit unions or other niche cards. If you have a card that's not in the catalog that you think belongs, let us know support@pointsapplied.com!

Yes. You can mark cards as closed and keep them in your portfolio history. This is useful for tracking lifetime sign-up bonus value, understanding your issuer history for eligibility rules, and maintaining an accurate history.

Email us at support@pointsapplied.com. We aim to respond within one business day.