Know which card to get next.
BonusMaxx builds a plan around the cards you have, your spending, your travel goals, and each issuer’s application rules. It tells you what to get next, why it fits, and when waiting is smarter.
Add cards manually or connect with Plaid.
Your card plan
A plan built around the cards you have.
The order changes with your recent applications, annual fees, spending, and the trips you care about. If an issuer’s rules make a card a poor move now, BonusMaxx tells you to wait.
After you choose, BonusMaxx keeps watching the dates and sends a notification when something needs attention.
- Card order
- Recent applications, issuer rules, and the cards you already have.
- Fit
- Your spending, annual-fee limit, and travel plans.
- Timing
- Why a card comes next, or why waiting is smarter.
- Follow-through
- Welcome-offer deadlines, annual fees, and benefit changes.
Dream destinations
Where you want to go changes the answer.
Points are not interchangeable. Each card transfers to a different set of airlines and hotel programs, and only some of them reach the city you have in mind.
Tell BonusMaxx the trips you are dreaming about, and the cards whose points can actually get you there move up your plan.
Built around you
Eighteen factors shape your plan.
Not just where you want to go. How you travel, the hotel and airline brands you stick with, where your spending goes, the annual fees you’ll accept, your credit standing, the banks you’d rather skip: eighteen settings in all, each one yours to change.
Flip any of them and your recommendations refresh within a few seconds.
Rewards value
3× on one card is not 3× on another.
Points and miles are not worth the same from one issuer to the next. Two cards can both advertise 3 points per dollar and pay very different amounts, because those points buy different amounts of travel.
BonusMaxx turns every earn rate into dollars per $100 of spending and ranks your wallet category by category, so the card you reach for at dinner or the gas pump is the one that actually pays the most.
Those dollar figures use typical point values that BonusMaxx keeps current. They are estimates, not a promise for any single redemption.
Why timing matters
You don’t get to Tokyo 2% at a time.
Everyday rewards help. A well-timed welcome offer can move the trip much further, much faster.
Cashed out, that offer is $1,000.At its best case in travel, about $7,500.All for $95.*
*The card’s annual fee. Illustrative: welcome offers require minimum spend, and award prices change.
The cards you already have
See what your cards already cover.
Keep statement credits, travel benefits, protections, and annual fees in one place. BonusMaxx shows what needs attention and when.
That includes benefits that are easy to miss and fee reviews that are easy to put off.
Points playbook
What your points are worth, bank by bank.
Every rewards currency gets an honest, approximate range: what a point is worth cashed out, and its best case in travel. Amex, Chase, Citi, and Capital One points are not interchangeable, and BonusMaxx shows where each one shines.
Then it shows the trips behind the number, city by city, so the top of that range is something you can picture.
Before you transfer
BonusMaxx does not search live flight seats. Check availability with the airline before transferring points.
Your 2-year plan
Your next two years, mapped.
Every recommendation lands on a timeline: the month to apply, the fee about to post, the card worth a review before it renews. You can scroll two years ahead and see why each move sits where it does.
And the plan totals what it earns. All those welcome offers add up, and BonusMaxx shows the trips they could become before you open a single card.
Account setup
Use Plaid or add cards manually.
BonusMaxx never sees your bank password and cannot move money. Plaid access is read-only.
Prefer not to connect an account? Manual setup remains available.
Early access
Join the waitlist.
BonusMaxx is launching first on iPhone. We’ll email you when early access opens.