Pricing

Start free.
Pay only when it pays off.

Your portfolio analysis is always free. Pay when you're ready to book, or subscribe for ongoing intelligence toward your next trip.

Free
Understand what your portfolio is worth and what you can book right now.
$0
Always free. No credit card required.
Get Early Access
What's included
✓
Portfolio valuation
Combined value across all your programs — conservative and optimized.
✓
Trip matching
See which trips you can Book Now, Track, or Build Toward.
✓
Gap preview
See how many points you need to reach your goal.
✓
No account required
Enter your balances and see your results immediately.
Most Popular
Concierge
Guided execution for users ready to book now. We walk you through every step.
From $29 per booking
Fee scales with the value unlocked. See tiers below.
Get Early Access
What's included
✓
Execution plan
Full value proof before you commit — see exactly what you'll save.
✓
Account detection and setup
Missing a loyalty account? We guide you through creating it with your details pre-filled.
✓
Award space confirmation
We open the search for you and confirm seats are available before any transfer.
✓
Transfer portal pre-fill
We open your bank's transfer portal with the partner, amount, and account number pre-filled.
✓
Irreversibility warnings
We stop you before every action that can't be undone. You confirm each step.
✓
Booking handoff
We return you to the airline or hotel booking page with your details pre-filled.
Advisor
Ongoing portfolio intelligence for users building toward a future trip.
$19 / month
Or $169/year — save $59.
Get Early Access
What's included
✓
Full Plan
Personalized paths to your goal — fastest, most economical, and no-new-card options.
✓
Progress monitoring
Your Plan updates automatically as your balances grow toward the goal.
✓
Award space alerts
We notify you when availability opens on your target route.
✓
Transfer bonus notifications
Know when Chase or Amex is running a bonus to the program you need.
✓
Up to 2 simultaneous goals
One flight goal and one hotel goal active at the same time.
✓
10% off Concierge
When your Plan gets you to Book Now, your Advisor subscription saves you money on execution.

Concierge — Booking Tiers

The fee scales with the value your portfolio unlocks. Every tier delivers a return of 20:1 or better.

Fee is charged at the start
of the guided execution session.
Standard
Under $1,500 cash value
$29
Per booking session.
One trip, one execution.
Up to 50:1 return on fee
Domestic trips, short-haul award flights, standard hotel redemptions. Everything included — account setup, transfer guidance, booking handoff.
Most Common
Premium
$1,500–$5,000 cash value
$79
Per booking session.
One trip, one execution.
Up to 60:1 return on fee
International economy, domestic business class, Category 5–7 hotel stays. Full guided execution from account creation through final booking.
Elite
Over $5,000 cash value
$199
Per booking session.
One trip, one execution.
Up to 40:1 return on fee
International business and first class, luxury hotel redemptions, multi-program bookings. The most complex executions, handled step by step.

What's included at each tier

Free Concierge Advisor
Portfolio valuation ✓ ✓ ✓
Trip matching (Book Now / Track / Build Toward) ✓ ✓ ✓
Gap analysis Preview ✓ ✓
Full Plan with multiple paths — — ✓
Progress monitoring toward goal — — ✓
Award space alerts — — ✓
Transfer bonus notifications — — ✓
Guided execution (step by step) — ✓ —
Account setup assistance — ✓ —
Transfer portal pre-fill — ✓ —
10% off Concierge — — ✓
Simultaneous goals — — 2 (1 flight + 1 hotel)

Common questions

Can I use Concierge and Advisor together?
Yes — and they're designed to work together. Advisor monitors your portfolio and builds your Plan until you're ready to book. When your Plan reaches the Book Now state, Concierge guides the execution. Advisor subscribers also receive 10% off every Concierge session.
Does Concierge actually book the trip for me?
Concierge guides you through every step and pre-fills what it can — but you confirm every irreversible action. Point transfers, final booking, and payment are always your confirmation. We believe automated where helpful, human-confirmed where it matters.
What if the award seat disappears during my session?
Concierge includes an exception handler for exactly this situation. If award space changes during your session, we guide you through the recovery options — including how to get your points back if a transfer hasn't occurred yet.
Does Pointfolio earn commissions on credit cards?
No. Pointfolio has no affiliate relationships with any credit card issuer, airline, or hotel program. Our only revenue comes from Concierge fees and Advisor subscriptions. That structure is what makes our analysis independent.
Can I cancel Advisor at any time?
Yes. Monthly subscriptions cancel at the end of the current billing period. Annual subscriptions are non-refundable but you retain full access through the end of the year.
What programs does Pointfolio support?
Pointfolio supports all major transferable currencies (Chase Ultimate Rewards, Amex Membership Rewards, Capital One Miles, Citi ThankYou, Bilt Rewards) and the most valuable transfer partners including Virgin Atlantic, Flying Blue, Aeroplan, World of Hyatt, Hilton, Marriott, United, Delta, and more.