Methodology
How we build every plan.
No black box. Here is exactly how MyPointsPartner turns your inputs into a strategy, and the principles behind the numbers.
Our approach
You tell us what you have or where you want to go. An AI strategist, working from current card offers, transfer partners, and award patterns, drafts an earning and application sequence tailored to you. Every plan includes the welcome-bonus math so you can see why each step is worth it.
How we value points
Our valuations are conservative on purpose. We use typical, realistic redemption values rather than best-case peak ones, because a plan built on the best case fails the moment award space is not available. We review our rates regularly. Last reviewed June 2026. See the full rates table.
What we will not do
We will not inflate point values to make a card look better than it is. We will not recommend a card just because it pays us, and as of June 2026 nothing pays us at all. If that changes, we will say so, right next to the recommendation.
The Chase 5/24 rule, in plain English
Chase has an unofficial but widely-confirmed policy: if you have opened five or more new credit card accounts across any issuer in the last 24 months, Chase will typically deny applications for most of their cards — including the Sapphire Preferred, Sapphire Reserve, the Freedom family, the Ink business cards, and most of their hotel and airline co-brands. Business cards from Chase do not usually count toward the five, but most personal cards from any issuer do, even authorized-user accounts in some cases.
The practical takeaway: if Chase Ultimate Rewards is part of your long-term plan, apply for the Chase cards you want first, before stacking welcome bonuses from other issuers. Once you are over 5/24, you generally need to wait for older accounts to roll past the 24-month mark before Chase will approve you again. Our strategist sequences applications with this in mind so you do not accidentally lock yourself out of the most valuable transferable-points ecosystem.
A note on responsible use
Points strategy works only on top of healthy credit habits. Applying for cards affects your credit, annual fees are real costs, and chasing bonuses you cannot use is a losing game. We assume you pay your balances in full. This is educational guidance, not financial advice.