# Pointwise

> Pointwise is a New York fintech that tells you which credit cards to get and when, so you stop leaving rewards on the table. Founded by Ken Book and Ben Litvin and backed by Y Combinator (W23), the free app connects to a user's existing cards, analyzes their real spending, and runs it against a live database of nearly 4,000 credit cards to build a personalized, math-driven plan for maximizing cash back, points, and sign-up bonuses over time.

- **Founded:** 2021
- **Headquarters:** New York, New York, United States
- **Founders:** Ken Book (Co-Founder & CEO), Ben Litvin (Co-Founder & CTO)
- **Team size:** 2-3 employees
- **Products:** Pointwise App, Card Optimization Engine
- **Notable:** Accepted into Y Combinator's Winter 2023 batch., Launched a free consumer app analyzing nearly 4,000 credit cards., Built a daily-refreshed optimization engine covering thousands of cards with a team of only 2-3 people.

## Products & services

- **Pointwise App** — A free consumer app that connects to a user's existing credit and debit cards, analyzes their spending and goals, and recommends which credit cards to get and when to maximize rewards, cash back, and sign-up bonuses.
- **Card Optimization Engine** — A backend engine that evaluates nearly 4,000 credit cards across many issuers, refreshed daily, to compute the mathematically optimal card strategy for each user over time.

## Achievements

- Accepted into Y Combinator's Winter 2023 batch.
- Launched a free consumer app analyzing nearly 4,000 credit cards.
- Built a daily-refreshed optimization engine covering thousands of cards with a team of only 2-3 people.

## Latest updates

- **2024-07** — Publicly launched the free Pointwise app, announced by co-founder Ken Book and the company on LinkedIn.
- **2023-03** — Completed Y Combinator's Winter 2023 batch.

## Links

- Website: https://www.getpointwise.com
- LinkedIn: https://www.linkedin.com/company/getpointwise
- Twitter/X: https://x.com/itskenbook
- YouTube: https://www.youtube.com/channel/UCAStjvALBnKGTVMXguuj7ZA

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Profile page: https://yespress.io/pointwise-yc-w23
Published by YesPress — https://yespress.io
Last updated: 2026-07-30