Missing Points

Terms of Use

Last updated 2 October 2026

Missing Points is a free tool that estimates the credit card rewards you could have earned. By using it you agree to these terms.

Estimates, not advice

Results are estimates for information only, and aren't financial advice. Calendar imports carry no prices, so fares and hotel rates are estimated. Card earn rates, fees and sign-up offers change often and may differ for you. What points are worth depends on how you use them. Check the issuer's own terms before applying for any card.

No affiliation

Missing Points isn't affiliated with, or endorsed by, any card issuer, bank, airline or hotel. Card names and brands belong to their owners and are used only to identify the cards.

Your data

You choose what to import, and it stays on your device, as described in the Privacy Policy. Only import calendars and statements you're entitled to use.

Links to other sites

Links to card issuers and other sites are provided for convenience. We aren't responsible for their content or offers.

No warranty

The tool is provided as is, without warranties of any kind. To the extent the law allows, we aren't liable for any loss arising from using it or relying on its results.

Changes and contact

These terms may change, and the new version will be posted here with a new date. Questions: privacy@missingpoints.ai.