Track your rewards.
Compare programs.
Avoid expiration.
Our comparison model breaks down value, transfer options, and reward flexibility across major programs. Track loyalty programs, balances, and opportunities in one place.
A Structured Library for the Rewards World
Organized like a reference library, not a blog feed. Everything is structured so you can find what you need and return to it.
Learn the Fundamentals
Understand how cashback, points, portals, merchant offers, and program rules actually work.
Explore LearnBuild Smarter Habits
Step-by-step playbooks to organize your rewards, track credits, and avoid value leakage.
Explore GuidesCompare with Clarity
Side-by-side comparisons with explicit criteria and "best for who" answers.
Explore CompareResearch & Frameworks
Data-backed notes and models that explain tradeoffs and expected value — not just opinions.
Explore ResearchStart Here
If rewards feel noisy or confusing, this path will get you to a working system quickly — without chasing trends.
Understand the System
Cashback vs points, portals vs offers, and what "stacking" really means.
Rewards Basics PathOrganize What You Have
Build a simple inventory of programs, credits, and expirations you can actually manage.
Organize My RewardsDecide Correctly Before You Spend
Use simple frameworks to choose between portal, card multipliers, and offers.
My First OptimizationProgram Directory
Structured reference pages for bank, airline, hotel, portal, and dining programs — with expiration rules, pitfalls, and who each is best for.
Bank Programs
Transfer partners, ecosystem lock-in
9 programsAirline Programs
Mileage expiry, alliance redemptions
21 programsHotel Programs
Status benefits, points value floor
9 programsCashback Portals
Rate volatility, tracking reliability
4 programsDining Programs
Restaurant rewards, offer stacking
4 programsPopular Guides
Evergreen frameworks and comparisons — structured for reference, not trend-chasing.
Rewards 101: Cashback, Points, and Miles — What They Really Are
A clear, structured introduction to the three types of credit card rewards, how they are earned, and what makes them valuable.
What Is Stacking? Portal + Card + Offer Explained
A practical breakdown of how stacking multiple reward layers works — and where it commonly goes wrong.
Effective Return: A Simple Way to Compare Any Rewards Strategy
A straightforward framework for converting different reward types into a single comparable number so you can make clear decisions.
How to Value Points and Miles (Without Overthinking)
Why point valuations differ, how to pick a number that reflects your actual redemption behavior, and when to update it.
Chase Sapphire Preferred: Full Card Review
Everything you need to know about the Chase Sapphire Preferred — earning rates, welcome bonus math, transfer partners, credits, and who should (and shouldn't) apply.
Amex Gold Card: Full Card Review
Complete breakdown of the Amex Gold — 4X dining and groceries, transfer partners, credit management, and how to decide if the $325 fee is worth it for your spend profile.
Research & Analysis
Data-backed notes with explicit methods and limitations — so you can interpret results correctly.
Portal Rate Volatility: What Changes, How Often, and Why It Matters
An analysis of cashback portal rate changes across major US portals over a 12-month period, examining frequency, magnitude, and category-level patterns.
Modeling Unused Credits: Where Value Leaks in Premium Cards
A framework for estimating the annual value leakage from underutilized card benefits, using publicly available credit structures and estimated usage rates.
Transfer Partner Overlap: Which Points Currency Offers the Most Unique Access?
An analysis of how much the transfer partner networks of Chase Ultimate Rewards, American Express Membership Rewards, Citi ThankYou, and Capital One Miles overlap — and which partners are exclusive to a single program.
Tools & Templates
Lightweight calculators and checklists — built for clarity, not complexity.
Effective Return Calculator
Convert earn rates and point valuations into a single comparable percentage.
Points Value Calculator
Calculate the expected dollar value of a points balance at different valuation scenarios.
Portal vs. Card Multiplier
See which earns more — portal cashback or card category bonus — and what stacking both gives you.
My Reward Organizer
Your Reward Organizer
Start with a lightweight system for tracking cards, programs, benefits, and expirations. More account-based management tools are being developed.
Know what you have
Map your cards, points balances, and recurring benefits in one place.
Review monthly
Use the 15-minute checklist to catch credits, offers, and expirations before they lapse.
Stay ahead of expiry
Flag miles and points within 60 days of expiration and act before they vanish.
A Calm, Independent Approach
MyReward.org is built to help you understand tradeoffs — not to sell you products.
Read our methodology →Editorial independence
No editorial influence from programs we cover
Assumptions shown
Methodology and limitations stated clearly
No hype
Calm, structured writing — not clickbait