Back to the Points vs Savern
A side-by-side comparison built from both listings. Blank cells mean the company has not given that detail; we never guess.
Back to the Points compared with Savern
| Detail | 
Back to the Points | 
Savern |
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| What it does | Track, value and redeem credit card rewards, airline miles and hotel points in one place
| A private budget app that shows what you can safely spend
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| Stage | MVP
| Not given
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| Founded | Not given
| Not given
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| Based in | IN
| US
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| Pricing model | Free
| Free trial
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| Pricing | Free during early access
| 7-day free trial, then monthly or annual subscription. Exact pricing shown in App Store or Google Play purchase flow.
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| Key features | - Connect multiple credit cards and loyalty programs securely without storing passwords
- Alerts before loyalty points and miles expire
- Best card recommendation based on which card earns most for a purchase
- Bank-grade encryption for secure connection
- Read-only access to loyalty data without storing card details
- Calculate point valuations based on real achievable redemptions across programs
- Support for major Indian credit card issuers including HDFC, Axis, ICICI, SBI and American Express
- Support for major airline and hotel programs including Air India, Singapore Airlines, Marriott and Hilton
| - Freeflow Engine - shows what is actually usable after protecting bills, debt, and savings
- Cash Low Point Monitoring - projects how low available cash may fall before next paycheck
- Afford It Decision Tool - checks whether a purchase fits the financial plan
- Bill Reminders - track upcoming, due, paid, and overdue bills
- Debt Payoff Tools - snowball and avalanche calculations with interest savings
- Savings Goal Tracking - create and track progress on savings goals
- Reserved Cash - separate committed money from everyday spending
- Paycheck Planning - plan around income timing including irregular income
- Manual Budgeting - plan without connecting a bank account
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| What makes it different | - Consolidated view of scattered loyalty points across multiple cards and programs in one dashboard
- AI-powered recommendations on which card to use before you spend to earn maximum value
- Personalized comparison of redemption options to avoid wasting points on low-value exchanges
- AI wallet that understands your rewards and recommends what to do with them, not just tracking
- Shows exact point costs before booking flights, hotels and upgrades directly through the app
| - No bank sync or bank credentials required - keeps financial data private and avoids broken connections
- Local-first architecture - financial data stored on device, never sold
- Looks forward to upcoming obligations instead of backward at past spending
- Shows safe-to-spend amount rather than just balance
- Manual budgeting keeps users close to their money
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| Community votes | 0 | 0 |
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| DR (Domain Rating by Ahrefs) | Not checked yet ● no change since last check | 2 ● no change since last check |
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| Trust Flow (Majestic) | 0 | 0 |
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| Citation Flow (Majestic) | 0 | 20 |
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| Referring domains (Majestic) | 0 | 10 |
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6 details filled in for both companies.
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