Rates use conservative cash-equivalent point values (UR 1.5¢, MR/miles 1.0¢). Caps simplified — check issuer terms for your exact limits.
Rotating 5% categories need quarterly activation.
💰 Perks tracker
← swipe a row left to hide it
Check off credits as you use them. Amounts per 2026 card terms — verify against your statements.
🏦 Points
🧾 Bills
Balances and bills are manual — no bank sync. Paid checkboxes reset every month.