About PointAlchemy

PointAlchemy exists because I got tired of bad data.

I manage a multi-card portfolio across Chase, Amex, Capital One, Citi, and Bilt. I was using spreadsheets, cross-referencing blog posts, and manually tracking earning caps, transfer ratios, and annual fee deadlines. Every tool I tried either had wrong earning rates, ignored category spend caps, or recommended cards based on affiliate commissions rather than my actual spending.

So I built PointAlchemy to do the math right.

What makes us different

Most tools in this space give you a ballpark. We give you the real number. PointAlchemy tracks earning caps and computes weighted-average effective rates when you exceed them. We map 100+ transfer partnerships with exact ratios and processing times. We benchmark CPP values with min, typical, and max ranges per program per redemption method, not a single editorial guess.

Every calculation is backed by 2,125 unit tests. When a number shows up on your screen, it has been verified.

What we believe

• Your data is yours.We use Plaid for bank connections, the same infrastructure behind Venmo and Robinhood. We never see your login credentials and can only read transactions. We don't sell your data to anyone.
• Recommendations should be honest.We don't recommend cards because an issuer pays us to. Our recommendations are based on your actual spending patterns.
• Accuracy beats speed.We'd rather give you the right answer in a second than the wrong answer instantly.

About the founder