CardPointers is generously offering Frequent Miler readers a 30% discount on both annual and lifetime memberships for the service.
The Deal
- Save 30% on annual and lifetime CardPointers memberships.
- Direct link to offer (you get a discount; Frequent Miler isn’t earning any commission).
Key Terms
- Annual membership – $50 per year, even after your first year (normally $72)
- Lifetime membership – $168 (normally $240)
Quick Thoughts
CardPointers is an app/website/browser extension that helps you track all your credit cards, their various benefits, etc. Its most popular feature though is the ability to auto-enroll card-linked spending offers like Amex Offers, Citi Offers, etc. Rather than having to go through and manually click to enroll in each offer, CardPointers will automatically do that for you.
I’ve seen CardPointers regularly mentioned in various groups over the last year or two, but had procrastinated on registering myself until recently. Although I set up an account and downloaded the app a week or two ago, I hadn’t gotten around to linking my cards until last night. To be honest, I was initially confused about how to do that as I’d assumed CardPointers would use some kind of service like Plaid in order to do that, but it’s done via its Chrome browser extension. After setting up an account and downloading the extension, simply log in to your account(s) and you should see an option to add the relevant offers. For example, when logging in to my Amex account there was a small box at the bottom showing that offers were being added.
When logging in to Citi, a similar thing happened:
Once offers are loaded to your account, you can view them using either the CardPointers browser extension or app. To view via the browser extension, click the jigsaw icon at the top-right of Chrome and select CardPointers X:
That’ll display a popup with three menu items, the middle of which is ‘Offers’. Clicking on the Offers tab will display all the offers now loaded to your card(s). It defaults to displaying them alphabetically, but over time I imagine it’ll be more convenient to sort them by date added to more easily see what’s new.
In the app, there’s an ‘Offers’ menu button at the bottom which does a similar thing. In the app you can also filter by category (e.g. airline offers, hotel offers, restaurant offers, etc.). Both the extension and app have search functionality too, so if there’s a specific offer you’re interested in, that’s an easy way to see if any of your cards were targeted.
Seeing as I’m so new to the app, I can’t speak to many quirks that it might have. However, I have seen people mention before that you need to verify that your card does actually have an offer loaded to it before trying to redeem it, rather than solely relying on the CardPointers app or browser extension stating it is.
It’s also worth verifying the full details of an offer yourself. When acquainting myself with the app last night, I noticed that the browser extension stated that an Anthropologie Amex Offer was giving 20% back on $25+ purchases with a limit of up to $5 back. I’d tried to use this Amex Offer a week or two ago and so knew that was incorrect – the offer was valid on up to $125 of spend (i.e. up to $25 back).
The app meanwhile did display the correct details:
The CardPointers browser extension also reminds you if you have a money-saving opportunity on one or more of your cards, although once again you’ll want to verify the offer details. For example, when playing Wordle last night it let me know that I could save by using my Schwab Platinum card. That’s presumably courtesy of the Digital Entertainment Credit which is valid on New York Times subscriptions (Wordle is owned by the New York Times), although the text box stated I could save 2% on the purchase which wasn’t correct.
n.b. If you don’t want to see this kind of popup for any given retailer, you can click the X in the top-right corner of the purple box and select that you don’t want to see the popup anymore for that retailer, or you can just snooze it for a while.
I thought that perhaps that display was a little goofy due to it being a Digital Entertainment Credit rather than an Amex Offer. I therefore tested it out with Anthropologie, but that displayed an incorrect 2% offer too.
It therefore looks like there are still kinks to be ironed out. Overall though, CardPointers looks like it’s an extremely useful tool which you might find comes with some unexpected benefits, especially if you like to utilize and maximize Amex Offers. Although $50 per year or $168 for a lifetime subscription might sound expensive as a new user, I’ve heard enough about it to know that it could certainly save you significantly more money than that over time. I’m therefore looking forward to finally getting around to using it myself.
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I’ve got a yearly CardPointers subscription now but want to upgrade to the lifetime with this promo. When I use the link, it doesn’t ask me to login to my existing account – is this going to create a whole new CardPointers account for me? Would rather not go through the process of adding my cards again, if I can just extend my existing account.
Hi, so long as you use the same email as your account to purchase it should automatically apply that to your account. Happy to double-check things and send you a custom purchase link to ensure it all works that way, just email the request to support at cardpointers.com. Thanks!
I signed up last fall for a lifetime membership during a different promotion, and I have *easily* recouped that entire cost already. Just looking at the recent Pepper Amex promo alone ($30 back on $75), between P1+P2, we were able to get that on 7 different cards, instead of just the 2 that normally would have been possible. Ditto for the Best Buy $25 back on $250 last December, among other offers.
I don’t use it for the 5/24 and quarterly credit tracking because we also use Travel Freely, but I could see it being great for that as well.
I’ve been using cardpointers for almost 2 years (I signed up for the lifetime membership) and it’s great. It saves a ton of time by automatically activating my chase offers. I’ve noticed a few times where it gives the wrong offer details (as Stephen mentioned) but it’s usually correct for me.
I always check the browser extension when online shopping to quickly see which card is best and to see if I have any available offers. It’s also nice to see your 5/24 status, when your annual fees are due, and how much they cost in the app. I also track my sign up bonuses and annual credits (mainly the Ritz $300 credit) through the app.
I had one issue with a BoA card not linking properly but Emmanuel was very quick to fix it for me. I’d definitely recommend it to most people in this hobby!
I signed up for the Cardpointers lifetime during another promotion this winter – I’ve heard a lot about the app and was interested in it mainly for the time saving aspect. It works really well at loading all the Chase and AMEX offers up when loading those pages so I don’t have to click through them myself! Covers both P1 & P2 cards. It’s also helped me find offers from retailers I would have probably missed buried among all the cards if I didn’t have it (saved $10 on headphones direct from JBL for a one off AMEX offer I would never have bothered with otherwise).
It doesn’t always work perfect as Stephen noted. I’m only batting about 50% on loading Citi offers with it. Some settings with managing cards can also only be done in app which is a little annoying to me – I like desktop computer options for everything and am not a fan of having some features restricted to a phone app (though it’s better than other programs that only exist as an app period). It’s been a worthwhile purchase and I am looking forward to the continued development on it.
With the recent privacy issues of honey, I am very wary of adding any extensions to my Chrome browser. You basically have to give this full rights to every single URL that you go to and that is a privacy nightmare.
Everything is processed on-device, no gross stuff like Honey was doing; your browser history always stays on your device, and only pulls data to work its magic (except when you’re syncing offers to your account of course). I wrote up a help document so you can verify this yourself. Everything was built security and privacy-first.
I appreciate that, but I still wont use anything that has access to all my browsing. I really wish this was done via some other method. Pointspath has the same issue. I don’t know you at all, so I am not making any accusation, but we have seen companies who started with good intentions sell to those who DON’T have those same intentions, and start to abuse the data.
Totally understand; I’m about to celebrate 6 years since launching CardPointers, so I’m in this for the long haul, and have a simple, direct business model where users pay for features, and I’m boostrapped, so I don’t have to do any sketchy stuff. There’s also a lot more to CardPointers than the extension to auto-add your offers which I hope you’ll find useful via the native apps directly.
I got it 2 years ago and it truly saves you a lot of money over time. I also use this app to track my 5/24 status and amex monthly/quaterly credits.
One of the perks, at least for the paid version, is that you can add the same Amex offer to multiple cards. For example, that has allowed me to have a whole lot more instances of the Pepper app offers the last couple rounds on 4-6 cards each across me + P2 + P3 + P4, easily saving me more than the cost I paid.
Awesome to hear, that’s absolutely the goal with everything I’ve built into the app + extension 🙂
If this plays out accurately, that would be great.
Agreed this is perhaps the best feature of Cardpointers! 4x Pepper offers ($120 back total)!
Greg has how many cards?