Ten specialists.
One WhatsApp.
Working for you.

Every interaction personalizes your experience. Every anonymized insight from other members sharpens yours. Your cards, your habits, your goals. All flowing into a system that compounds what it knows about your preferences and the entire points landscape into smarter, faster, more valuable guidance with every conversation.

0x
more value*
Same points. Right transfer partner.
0
transfer partners
Across every major points currency.
0
specialists
Each one built for a different job.
0
loyalty programs
Airlines. Hotels. Banks. Partners.

Your 10-Specialist Team

Scout
Oracle
Ranger
Spotter
Whisperer
Commander
Strategist
Accountant
Planner
Hunter

Here is what that looks like inside your WhatsApp.

Each tier builds on the last. Start free. Stop wherever it fits.

Sample conversations below are AI-generated illustrations. Recommendations should be verified before acting. Not financial advice.

Free
Newsletter subscribers

Your first
portfolio snapshot.

Message us on WhatsApp. Four questions. We estimate what your points are worth and where the gaps are. No wallet connection required.

  • 4-question onboarding via WhatsApp New
  • Estimated portfolio snapshot New
  • Top opportunities identified New
  • 90-day preview of full capabilities New
Everything in Free, plus real-time Q&A
Light
$5 / month

Ask us anything.
Five times a month.

Which card at Costco? Transfer to Delta or ANA? You ask, we do the math. Not a generic chatbot. Real analysis with concrete numbers.

  • Everything in Free
  • 5 conversations per month New
  • Which-card recommendations New
  • Monthly portfolio estimate New
Everything in Light, plus proactive alerts
Classic
$19 / month

We watch your wallet.
You stop worrying.

This is where it goes from reactive to proactive. We monitor for expiring balances, disappearing credits, and devaluations. Unlimited conversations.

  • Everything in Light
  • Unlimited Q&A New
  • Expiry monitoring and alerts New
  • Credits Tracker New
  • Weekly Points Pulse New
  • Devaluation Watch New
Everything in Select, plus full strategy team
Reserve
$59 / month

The full team.
Working for you.

All 10 specialists. Full wallet mapping across 629+ programs. Trip Playbooks with step-by-step instructions. Monthly Strategist sessions. Family coverage up to 4.

Award Booking Service
$500per booking, any party size

A business class seat that costs $8,000 cash might cost 55,000 points through the right transfer partner at the right time. Getting there means navigating hold queues, transfer timing, partner availability calendars, and backup routing. One wrong step and the seat is gone. We handle all of it with you.

The Research

Every transfer partner, every routing, every date. The best value path for your specific points.

The Execution

Point transfers timed to the minute. Phone calls to airline partners. Holds placed. Seat assignments. All of it.

The Backup Plan

Award seats disappear. Transfers fail. We have the backup routing ready before the primary one falls through.

$500 flat. No percentage of trip value. No hidden fees. Family of 2 or group of 12, same price.

Example bookings, illustrative only
Flights and hotel stays redeemed with points. Hover any card to see the breakdown.

Showing 20 of 60+ recent bookings. Reload for different results.

Start free. See what we find.

4 questions on WhatsApp. Your first portfolio snapshot in 24 hours. Upgrade whenever you want.

💬 Start on WhatsApp See Pricing

Running a business? See the Business product

* 4.2x value is an illustrative example comparing Hyatt point redemptions (approximately 4.2 cents per point based on First Officer's internal valuation methodology) to statement credit redemptions (approximately 1 cent per point). Actual redemption values vary by program, availability, route, and booking date. This is not a guarantee of any specific return.

47+ transfer partners refers to the combined airline and hotel loyalty programs accessible through transferable points currencies including Chase Ultimate Rewards, Amex Membership Rewards, Citi ThankYou, and Capital One Miles. Partner count is approximate and subject to change by card issuers.

10 AI specialists refers to distinct AI-powered analysis modules within the First Officer system: Scout, Oracle, Ranger, Spotter, Whisperer, Commander, Strategist, Accountant, Planner, and Hunter. These are software agents, not human advisors.

629+ loyalty programs refers to airline, hotel, bank, and retail loyalty programs tracked through our data partners. Program count is approximate and updated periodically.