Best card for a spend
Tell it what you are paying for and which cards you hold. It points to the card that earns most, and asks when it needs more.
For credit-card travellers
Everything about credit cards, hotel and flight redemptions.
One assistant that answers what your cards earn, what your points are worth, and how to redeem them. Every answer comes from official sources.
Invite-only early access.
Credit cardsearn rates, fees and perks
Airport loungeswhich card gets you in free
Hotels and airlinestransfers, status and redemptions
What you can ask
Ask once. Skip the fine print.
What your points are worth
Compare a flight or hotel on points against paying cash, with the working shown.
Transfer partners
Which hotel and airline programmes your card transfers to, and the chains that connect them.
Lounge access
Which lounges your card opens, with the free-entry rules for each card.
Hotel and airline status
How elite tiers are earned, what they give you, and the official status-match routes.
Perks and card controls
Card insurance, golf, concierge, roadside assistance, and international on/off controls.
Try a question
Ask it the way you would ask a friend.
Pick an example. It asks for the detail it needs, then answers from official sources.
Which card for a flight to Tokyo?
Which cards do you hold? I will compare points, miles and cashback for that spend, and show the working.
Your cards
Add your cards once. Every answer is about the cards you hold.
It asks before saving a card, so nothing is added by accident.
Flights and hotels
Know what a redemption is really worth before you book.
Award or cash, which programme to transfer to, and what your status unlocks. Worked out for your cards.
Ask for an inviteHow it works
Three steps. No spreadsheets.
Get an invite
Credit Beat is invite-only. Ask a member or write to us.
Add your cards
Tell it which cards you hold. It asks before saving anything.
Just ask
In your own words, the way you would ask a friend who knows cards.
Our promise
Verified answers only.
A wrong answer about money costs you. So Credit Beat only states what an official source confirms.
- Numbers come from issuer, network and regulator pages, not forums or social posts.
- Official pages are re-checked every week.
- If something cannot be confirmed, it says so instead of guessing.
- No scraped award-seat data.
Rewards that pay you back.
Credit Beat is invite-only. Ask a member for an invite, or write to us.
[email protected]