Swype

Rewards intelligence for US businesses

Every dollar,
on the right card.

Which card earns the most, what your points are worth, and when they beat cash.

Run your numbersBrowse 33 cards

Example month

Three-card wallet · 6 expenses

Best card per line
  • Google Ads$8,000
    Amex Business Gold4X
    +$512
  • FedEx$3,000
    Ink Business Preferred3X
    +$144
  • AWS$2,400
    Amex Business Gold4X
    +$154
  • United Airlines$2,500
    Ink Business Preferred3X
    +$120
  • Client dinner$900
    Venture X Business2X
    +$25
  • Contractors$3,000
    Venture X Business2X
    +$84

If points transfer well

$967

Cashed out

$382

Flat 2% card

$396

Illustrative $19,800 month, after the three cards’ $865 in annual fees. Line values assume the points go to travel partners. Cashed out, this wallet roughly ties a $0-fee 2% card.

The six US transferable-points programs

  • American Express
  • Chase
  • Capital One
  • Citi
  • Bilt
  • Wells Fargo

The biggest number on the card isn't always the best card.

  • Business Gold••1005

    1,240 pts

    ≈ $7.44 as cash

  • Ink Business Cash••2210

    620 pts

    ≈ $6.20 as cash

  • Venture X Business••4410

    620 mi

    ≈ $3.10 as cash

Pay with Amex Business Gold ••10051,240 points vs 620 on Ink Business Cash

Restaurants are one of Business Gold's two 4X categories this month, alongside ads. The obvious pick is also the right one.

The demo company's three cards, estimated from published terms. The issuer decides how a merchant codes; the statement confirms what was earned.

Put those points to work.

Points aren't free money. Swype says use them only when they beat cash.

Try Travel with the demo company's points

Illustrative demo. An employee asks Alfi for a trip to Austin. Swype compares a $412 flight with 28,000 Amex points and a $550 hotel with 100,000 points, recommends points for the flight and cash for the hotel, and the employee confirms. The company gains $95.76 over using the same points directly at 1¢ (flights booked through Amex Travel). The booking is simulated.

Ask Alfi

Waiting for a request

Simulated
  • Cash fares and room rates18 flights · 26 hotels
  • Award pricesDelta SkyMiles · Marriott Bonvoy
  • Company points186,000 Amex
  • What a point is worth without a transfer1¢ on Amex Travel flights · 0.6¢ as cash
  • Fees and travel policy$16.80 transfer fee · within policy

What the company gets

The outcome appears here once the employee confirms the trip.

1/5 · Request

An example company with 186,000 Amex points. Fares and award prices are illustrative, live award availability isn't connected yet, and no booking is made.

Built on the fine print

Every number has a source.

Rates, caps and fees come from issuer pages, each with a link and the date we checked it.

Ink Business Preferred

Chase
3X shipping, ads, internet & phone, travel
First $150,000 a year
Annual fee
$95
World of Hyatt
1,000 → 750 on this card
Foreign transaction fee
None
Source: creditcards.chase.comVerified Oct 20, 2026

33

cards

6

issuers

111

transfer routes

15

business cards

How we verify

See what your spend is really worth.

Two minutes. No account needed.

Run your numbersMeet Alfi

Doing this for a whole company? Try the demo