Pointfolio

Independent analysis.
No agenda but yours.

We do the research and analysis on your points so you don't have to. Real numbers, specific programs, honest math on what your points can actually do.

Chase Ultimate Rewards
I Have 150,000 Chase Points.
Here's Exactly What They Can Book.
Business class to London, five nights at a Park Hyatt, or business class to Tokyo. Real numbers, specific programs, no card recommendations — just the math on what you already have.
Pointfolio 6 min read Chase · Business Class · Hotels
Read the analysis →
Cash value unlocked
$8,400+
Business class to London for two
Best cents per point
5.3¢
vs 1.5¢ through Chase portal
Points preserved
40,000
Left over after the booking
Portfolio Strategy
How to Combine Chase and Amex Points for One Trip — And Why It Changes Everything
Chase and Amex points can't be directly merged — but they share transfer partners. Here's how to use both for one trip and why the combined picture unlocks trips neither balance alone can reach.
7 min read · Chase · Amex Read →
Coming Soon
Can I Fly Business Class With Points? How Many Do I Actually Need?
The honest answer — yes, and the number is lower than you think. A complete breakdown by route, program, and cabin class.
Business Class · All Programs Soon
Coming Soon
Is It Worth Transferring Chase Points to Hyatt? The Honest Math.
Hyatt is the strongest hotel transfer partner Chase offers — but only if you use it correctly. Here's when it makes sense and when it doesn't.
Chase · Hotels · Hyatt Soon
Coming Soon
Cash Back vs Points: The Honest Answer
Points win in one specific scenario. Cash back wins in everything else. Here's the framework that tells you which applies to your situation.
Strategy · All Programs Soon
Coming Soon
Best Way to Use Amex Points for Hotels — The Answer Most Sites Won't Give You
The correct answer is almost always Hyatt via transfer — not Hilton, not Marriott, not the Amex travel portal. Here's why, with the math.
Amex · Hotels · Strategy Soon
Coming Soon
What Happens to Points When They Expire — And How to Stop It
Most airline miles expire after 18–24 months of inactivity. Here's exactly what triggers the clock, what resets it, and what to do if expiration is imminent.
All Programs · Expiration Soon