Points Optimization Platform

Redeem More.
Waste Less.

16 programs. 487,000 points. One engine to maximize them all.

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10B+ points wasted annually1 16+ programs per person2 3x value unlocked3
The Problem

Your points are a depreciating asset

$10 billion in loyalty points expire unused every year.1 The average American holds 16 programs2 with no strategy connecting them. Card issuers profit from breakage. RedeemFlow exists to end that.

Your Dashboard — Preview
Total Points
487,200
Cash Value
$3,898
Optimized Value
$7,640
Expiring Soon
24,000
Program Balance Expiration cpp
Chase Ultimate Rewards 186,400 None 2.1 (good)
AA AAdvantage 124,800 None 1.8 (good)
Marriott Bonvoy 92,000 Mar 2027 0.9 (low)
Amex Membership Rewards 84,000 None 2.0 (good)

cpp values represent median redemption value across available award inventory. 5

Discover

Hidden transfer paths across every program

Graph engine icon

Cross-program graph engine

A directed weighted graph maps every transfer partnership, bonus route, and conversion rate across all major loyalty programs in real time.

AI agent icon

Proactive AI agent

Wakes up at 3 AM to scan award availability, transfer bonuses, and flash deals. Surfaces opportunities before you even think to look.

Calendar sync icon

Calendar-synced alerts

Connects to your travel calendar and runs optimization before every trip. Transfer bonuses, award availability, and routing suggestions arrive automatically.

“Scenario: 200,000 Marriott Bonvoy points sitting idle for 18 months. RedeemFlow's graph engine finds a transfer route to Alaska Airlines at 1.5 cpp, unlocking first class to Tokyo at 2.4 cpp — a 60% value increase over direct Marriott redemption.”

Illustrative example based on published award charts and transfer ratios

Optimize

One engine for every loyalty program

Most points sit in isolation. RedeemFlow maps the transfer graph between programs and finds routes you would never discover manually. Every path is scored by cents-per-point value so you always know the best move.

See your transfer paths
Transfer Path Analysis
Chase UR Chase → Hyatt → Book 2.3 cpp Best
Chase UR Chase → United → Book 1.8 cpp
Amex MR Amex → ANA → Book 2.1 cpp
Marriott Marriott → Alaska → Book 1.5 cpp
Maximize

Make the most of every point

Cash redemption is the worst use of points. RedeemFlow compares every redemption option side by side and shows you exactly how much value you leave on the table with each choice. You pull the trigger. We find the path.

Start optimizing
Program Cash Out Transfer
Chase UR (186K) $1,864 $3,910
AA AAdvantage (125K) $875 $2,250
Amex MR (84K) $504 $1,680
Total $3,243 $7,840
Protect

Never lose a point to expiration

Expiration policies are deliberately confusing. RedeemFlow tracks every program's rules and alerts you with enough lead time to act. One low-value transaction can reset the clock on tens of thousands of points.

Protect your points
Expiration Monitor
British Airways Avios 24,000 pts 18 days Urgent
Hilton Honors 48,200 pts 45 days Warning
Marriott Bonvoy 92,000 pts 186 days Safe
Southwest RR 31,400 pts 340 days Safe

The average American leaves

$3,400

in unredeemed points on the table each year.4

How It Works

Three steps to maximum value

Connect your programs

Link your loyalty accounts in under two minutes. RedeemFlow reads balances, expiration dates, and transfer partnerships for every program you hold.

Get optimized routes

The graph engine analyzes billions of transfer paths, award charts, and bonus promotions. Results are scored by cents-per-point value with clear recommendations.

Redeem with confidence

Review the recommendation, confirm the transfer, and book. You always pull the trigger. RedeemFlow provides the intelligence. No surprises, no risk.

See what your points are worth

“Scenario: 150,000 Chase UR points cashed out at 1.0 cpp = $1,500. Same points transferred to Hyatt at 2.1 cpp = $3,150 in hotel value. The difference: one transfer decision.”

Based on Chase and World of Hyatt published transfer rates

“Scenario: 48,000 Hilton Honors points, 30 days from expiration. A single dining transaction resets the activity clock. Cost: one meal. Saved: $240–$480 in hotel value.”

Based on Hilton Honors expiration policy (24 months of inactivity)

FAQ

Common questions

RedeemFlow uses read-only connections to pull balances, expiration dates, and program rules. We never initiate transfers or redemptions on your behalf. Every action requires your explicit confirmation.
At launch, RedeemFlow supports all major credit card transfer programs (Chase UR, Amex MR, Citi ThankYou, Capital One Miles), airline programs (United, AA, Delta, Southwest, Alaska, JetBlue), and hotel programs (Marriott, Hilton, Hyatt, IHG). More programs are added every month.
Travel agents optimize individual bookings. RedeemFlow optimizes your entire portfolio of points across every program simultaneously. The graph engine finds cross-program transfer paths that no human could track manually. At $149/year versus $200+ per booking with a concierge, the economics are not comparable.
No. RedeemFlow finds and recommends. You execute. This is a deliberate architectural decision. Keeping the user in control eliminates liability risk and ensures you never see a transfer you did not explicitly authorize.
Balance tracking and expiration alerts are free. The full optimization engine, including cross-program transfer analysis, proactive deal scanning, and calendar sync, is $149 per year. Most users recover the cost with their first optimized redemption.
All data encrypted at rest and in transit. Read-only access tokens with minimum scope. Account credentials are never stored. Independent security review planned before general availability.

Your Points, Optimized
with RedeemFlow

You are on the list. We will be in touch.

Free balance tracking. Full optimization from $149/year.

Sources & Methodology

  1. $10B+ in unredeemed loyalty points annually. Antavo Global Customer Loyalty Report 2026: 26.2% of loyalty points go unspent, 11.9% expire. Applied to estimated $40B+ in annual points issuance. antavo.com/global-customer-loyalty-report
  2. 16+ loyalty programs per American. Bond Brand Loyalty Report: average of 16.7 memberships per US consumer. Statista (2023) independently estimates ~18. We use the conservative figure. bondbrandloyalty.com/the-loyalty-report
  3. 3x value unlocked. Derived from the difference between baseline cash-out rates (0.6–1.0 cpp) and optimized transfer redemption rates (1.8–3.0 cpp) across Chase UR, Amex MR, and major airline programs. Based on published award charts and transfer partner valuations from The Points Guy and Frequent Miler.
  4. $3,400 per year in unredeemed points. Formula: $10B annual waste ÷ ~2.94M US households with 200K+ combined points (estimated from Bond and Federal Reserve payment studies). This figure represents the addressable segment, not the average across all consumers.
  5. cpp methodology. Cents-per-point values shown in the dashboard preview represent median redemption values calculated across available saver-level award inventory for the trailing 90 days. Sources include published award charts, transfer partner ratios, and availability data from Seats.aero and individual airline/hotel booking engines.