MaxRewards is a US-market app that links to your credit cards to pick the best card for each purchase. Miles Mosaic is a cross-programme loyalty tracker that holds no credentials and never links to a bank. They solve adjacent problems for the same kind of traveller — they don't replace each other.
Every loyalty programme in one place
Coverage, tracking, redemption help, privacy, pricing — everything in one table. Hover the i on any row for more context.
| Feature | Miles Mosaic | MaxRewards |
|---|---|---|
| Privacy | ||
| No account linking We never connect to your loyalty accounts on your behalf. | Yes | No: Links to bank and credit-card accounts (Plaid-style) to detect purchases. Links to bank and credit-card accounts (Plaid-style) to detect purchases. |
| No credentials stored We don't ask for or hold loyalty programme passwords. | Yes | With caveats: Plaid-style tokens, not raw passwords — but tied to bank/card credentials. Plaid-style tokens, not raw passwords — but tied to bank/card credentials. |
| No data sold or shared Your activity isn't packaged or sold to advertisers, partners, or data brokers. | Yes | With caveats: Monetises via card-issuer referral partnerships; spend data informs the business model. Monetises via card-issuer referral partnerships; spend data informs the business model. |
| Delete everything in one click From your settings, delete your account and all stored data — no support ticket required. | Yes | With caveats: Account deletion via in-app request or support form. Account deletion via in-app request or support form. |
| What it tracks | ||
| Elite-status progress to next tier Shows how close you are to the next tier across every programme you track. | Yes | No: Credit-card rewards focus; no airline or hotel elite-status tracking. Credit-card rewards focus; no airline or hotel elite-status tracking. |
| 14+ airline & hotel programmes in one view All your loyalty programmes consolidated in a single dashboard. | Yes: 31 loyalty programmes (24 airline + 7 hotel) plus 8 transferable currencies. 31 loyalty programmes (24 airline + 7 hotel) plus 8 transferable currencies. | No: Credit-card rewards optimizer, not a loyalty-programme tracker. Credit-card rewards optimizer, not a loyalty-programme tracker. |
| Redemption help | ||
| Award availability search Find redemption availability across airlines. | No: Out of scope for Miles Mosaic. Use a dedicated tool (seats.aero, point.me) for award search. Out of scope for Miles Mosaic. Use a dedicated tool (seats.aero, point.me) for award search. | No: Card-rewards optimization, not award-flight search. Card-rewards optimization, not award-flight search. |
| Pricing | ||
| Free plan available Start without paying. | Yes: Explorer is free forever. Explorer is free forever. | Yes: Free tier; Gold subscription unlocks advanced features. Free tier; Gold subscription unlocks advanced features. |
| Ad-free on paid plans Pro plans are ad-free. The free Explorer plan shows display advertising. | Yes: Pro is ad-free; Explorer (free) shows AdSense. Pro is ad-free; Explorer (free) shows AdSense. | With caveats: Paid Gold tier removes promoted card offers; free tier surfaces them. Paid Gold tier removes promoted card offers; free tier surfaces them. |
The things we won't do
How loyalty balances, accounts, and credentials are handled — the rules each tool plays by.
| Feature | Miles Mosaic | MaxRewards |
|---|---|---|
| Privacy | ||
| No account linking We never connect to your loyalty accounts on your behalf. | Yes | No: Links to bank and credit-card accounts (Plaid-style) to detect purchases. Links to bank and credit-card accounts (Plaid-style) to detect purchases. |
| No credentials stored We don't ask for or hold loyalty programme passwords. | Yes | With caveats: Plaid-style tokens, not raw passwords — but tied to bank/card credentials. Plaid-style tokens, not raw passwords — but tied to bank/card credentials. |
| No data sold or shared Your activity isn't packaged or sold to advertisers, partners, or data brokers. | Yes | With caveats: Monetises via card-issuer referral partnerships; spend data informs the business model. Monetises via card-issuer referral partnerships; spend data informs the business model. |
| Delete everything in one click From your settings, delete your account and all stored data — no support ticket required. | Yes | With caveats: Account deletion via in-app request or support form. Account deletion via in-app request or support form. |
Which one is right for you?
A short, honest read on when each tool is the right choice.
When Miles Mosaic is the right choice
Miles Mosaic is the right choice when you want to know where your loyalty programmes stand — miles, points, elite status, expiry windows — across every airline and hotel programme you hold. No bank linking, no card credentials, no scraped purchases. You enter the numbers; we do the projections. 31 loyalty programmes covered out of the box, including the big international airlines and hotel groups MaxRewards doesn't touch.
When MaxRewards is the right choice
MaxRewards is the right choice when your priority is credit-card rewards optimization in the US market: which card to use at which merchant, which sign-up bonus to chase, which annual benefits to remember. It needs to link to your card accounts to do its job — that's the trade-off it asks you to accept. If you're US-centric and card-spend-driven, MaxRewards earns its place; for international elite-status tracking, you'll need a different tool.
Frequently asked
Does Miles Mosaic tell me which card to use at checkout?
No. That isn't what Miles Mosaic does. We track loyalty programme balances, status, and expiry — not card-spend decisions. If you want a card-at-checkout assistant, MaxRewards (or similar) is the right tool.
Can I use both Miles Mosaic and MaxRewards?
Yes — that's the natural setup if you're US-based. MaxRewards optimizes the spend; Miles Mosaic tracks the loyalty points and elite status that result. They complement each other rather than overlap.
Does Miles Mosaic link to my credit card or bank?
No. Miles Mosaic never connects to financial accounts. You enter loyalty programme balances yourself. We don't store credentials and we never see your spend data.
Is MaxRewards available outside the US?
MaxRewards is primarily a US-market product. If you hold airline or hotel programmes outside the US, Miles Mosaic's 31-programme coverage is meaningfully broader.
Try Miles Mosaic free
Explorer is free forever. Pro is $14.99/month with a 14-day trial. No card required.