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.