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Back to the Points vs Zenith Flow

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 Zenith Flow
DetailBack to the Points logo Back to the PointsZenith Flow logo Zenith Flow
What it doesTrack, value and redeem credit card rewards, airline miles and hotel points in one place Your financial future, finally clear
StageMVP Not given
FoundedNot given Not given
Based inIN IT
Pricing modelFree Freemium
PricingFree during early access Free version includes Available, Zenith Index, Upcoming, unlimited accounts and transactions, 3 charts, 1 budget, 1 money box and 1 goal. Zenith Flow Plus costs €12.99 at launch price (then €19.99), as a one-time purchase, adding unlimited budgets, goals and money boxes, all charts, 24-month simulat
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
  • Available: calculates spending capacity across all accounts
  • Zenith Index: personal spending health metric from 0 to 100
  • Simulator shows financial position over 6, 12 or 24 months
  • Budgets and money boxes for spending control
  • Transaction history and quick entry
  • Charts and financial analytics
  • iCloud sync and encrypted backup
  • Credit card management with statement tracking
  • App lock and privacy controls
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
  • One-time purchase instead of subscription
  • No bank connection or accounts required
  • Available metric shows true spending capacity across all accounts
  • Personal Zenith Index compares you to yourself, not others
  • Native apps for Mac with full keyboard and menu support
Community votes00
DR (Domain Rating by Ahrefs)Not checked yet no change since last check1 +1 (up) since last check
Trust Flow (Majestic)00
Citation Flow (Majestic)00
Referring domains (Majestic)00

6 details filled in for both companies.

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