How it works
Your points cannot move between banks, and nobody can change that. Poolwyn does the next best thing: it splits one trip across your cards, so each card's own points pay its own share.
Tell us which cards you hold and roughly how many points sit on each. You can type the numbers in. We never ask for your bank login.
Search flights and hotels the way you would anywhere. Every price shows in points and in dollars, side by side, so you always know what you are spending.
You choose how much of the trip each card covers. We charge each card its share. Then each card's points pay that share back, as a credit from your own bank. We show you exactly where to tap and remind you until every credit has landed.
Every bank publishes a cash rate for its points. Poolwyn uses that rate, never a made-up one, and shows the dollar value next to every points price. Some banks give a full cent a point. Others give less, and we tell you before you pay so you can put that share on the card as cash instead.
| Program | Cash value per point |
|---|---|
| Capital One full cent | 1.0 cent |
| Chase full cent | 1.0 cent |
| Wells Fargo | 1.0 cent |
| US Bank | 1.0 cent |
| Discover it Miles | 1.0 cent |
| Citi | 0.5 to 1.0 cent, by card |
| Amex | 0.6 cent |
| Bilt | about 0.55 cent |
Rates as published in November 2026. Banks change them without notice. Airline and hotel miles mostly cannot be turned into cash, so for now you keep using those the normal way.
The rules
Your points never leave your accounts. Nothing is sold, traded or pooled between people. You redeem your own points with your own bank, at the bank's own rate. That is what keeps Poolwyn inside every card program's rules.