MaxMyPoint and Miles Mosaic both serve people who hold loyalty accounts in more than one programme, but they optimise for opposite ends of the same trade-off. MaxMyPoint leans on account connections to keep balances current with minimal effort. Miles Mosaic refuses account connections on principle and asks you to supply the data instead, in exchange for a promise that no loyalty credential of yours is ever stored anywhere in our systems. Neither answer is wrong. Which one is right depends entirely on how you weigh convenience against the blast radius of a breach.
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 | MaxMyPoint |
|---|---|---|
| What it tracks | ||
| Status renewal forecast (folds in booked trips) Projects whether your already-booked travel will renew each elite status before the deadline, across every programme you track. | Yes: Folds your booked trips into a year-end projection per programme, with the exact shortfall. Folds your booked trips into a year-end projection per programme, with the exact shortfall. | With caveats: Tracks status, but no documented planned-trip renewal forecast. Tracks status, but no documented planned-trip renewal forecast. |
| Elite-status progress to next tier Shows how close you are to the next tier across every programme you track. | Yes | Yes |
| 31 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. | With caveats: Card-centric; limited airline/hotel coverage. Card-centric; limited airline/hotel coverage. |
| Privacy | ||
| No account linking We never connect to your loyalty accounts on your behalf. | Yes | No: Account-linked sync model. Account-linked sync model. |
| No credentials stored We don't ask for or hold loyalty programme passwords. | Yes | No: Credentials required for sync. Credentials required for sync. |
| No data sold or shared Your activity isn't packaged or sold to advertisers, partners, or data brokers. | Yes | With caveats: Shares aggregated data with airline partners per ToS. Shares aggregated data with airline partners per ToS. |
| 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 support form only. Account deletion via support form only. |
| 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. | Yes |
| Pricing | ||
| Free plan available Start without paying. | Yes: Explorer is free forever. Explorer is free forever. | With caveats: Limited free tier. Limited free tier. |
| 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: Limited free; ads on free tier. Limited free; ads on free tier. |
The things we won't do
How loyalty balances, accounts, and credentials are handled — the rules each tool plays by.
| Feature | Miles Mosaic | MaxMyPoint |
|---|---|---|
| Privacy | ||
| No account linking We never connect to your loyalty accounts on your behalf. | Yes | No: Account-linked sync model. Account-linked sync model. |
| No credentials stored We don't ask for or hold loyalty programme passwords. | Yes | No: Credentials required for sync. Credentials required for sync. |
| No data sold or shared Your activity isn't packaged or sold to advertisers, partners, or data brokers. | Yes | With caveats: Shares aggregated data with airline partners per ToS. Shares aggregated data with airline partners per ToS. |
| 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 support form only. Account deletion via support form only. |
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 privacy is a hard requirement rather than a preference, and when the question you actually need answered is a forecast rather than a balance. We track 31 loyalty programmes, 24 airline and 7 hotel, plus 8 transferable point currencies, and each one carries its own 2026 earning rules and tier thresholds. That matters because a Flying Blue XP, an Executive Club Tier Point and a Miles & More qualifying mile are not interchangeable units, and a tracker that treats them as one number cannot tell you whether you will requalify. You supply the data, by logging a flight or stay, entering membership numbers, or importing a CSV of past activity. The engine then projects where each programme lands by its qualification deadline and flags the ones genuinely at risk, using each programme's published rules, for example British Airways Executive Club's published Tier Point rules. There is no inbox parsing and no account linking, because we never ask for or store your loyalty passwords. Miles Mosaic is a responsive web app and PWA with no native app, and it does not search or book award seats. Explorer is free permanently rather than a trial, and Pro is $14.99 per month, adding the status simulator, deeper analytics and full programme coverage.
When MaxMyPoint is the right choice
MaxMyPoint is a reasonable choice if you have already made peace with the credential-sync trade-off and you want a tracker built from a European rather than a North American starting point. Most of the established loyalty trackers were designed around US programmes and US credit-card ecosystems, so their handling of European carriers and hotel groups can feel like an afterthought. A product built the other way round is genuinely useful if that is where your accounts are. The core convenience it offers is real: connect an account once and balances update without you touching them, which removes the single biggest reason people abandon manual trackers. The cost of that convenience is that a service holds the means to access your loyalty accounts, and loyalty accounts hold transferable value that is often easier to liquidate than money in a bank. That is a considered trade, not a reckless one, and plenty of sensible people make it. We simply make the opposite trade, and we think the choice should be stated plainly rather than buried. Check their current feature set and pricing on their own site, because a smaller product iterates quickly and anything we quote here would date fast.
Who MaxMyPoint suits, and who it does not
The short version, before the detail below. We would rather send you to the right tool than win a signup you regret.
MaxMyPoint is a good fit for
- Travellers whose accounts are mostly European and who want a tracker that treats those programmes as first-class rather than an afterthought
- People who have already accepted account connection elsewhere and value hands-off balance updates above all
- Anyone who mainly wants to see current balances and expiry dates rather than a rule-aware projection of a specific tier
MaxMyPoint is a poor fit for
- Anyone unwilling to hand any service the means to reach their loyalty accounts
- Travellers whose real question is whether they will requalify for a named tier before a specific deadline
- People holding a wide mix of airline, hotel and transferable currencies who need each one scored under its own 2026 rules
Frequently asked
Does Miles Mosaic cover European programmes properly?
Yes. Flying Blue, British Airways Executive Club, Lufthansa Miles and More, KLM, Iberia Plus, Accor ALL and Hilton Honors are all modelled with their current 2026 rules, alongside the North American programmes. European coverage is a first-class part of the catalogue rather than a later bolt-on.
If I do not connect accounts, how much work is this?
Setup is the only real effort. You enter your membership numbers and either import a CSV of past activity or log the trips you have already taken. After that you add a flight or stay as you take it, which is a few seconds each time. If you would rather not do that at all, a sync-based tracker is the honest recommendation.
Can I use both?
Nothing stops you, though the overlap is larger here than with a tool like a flight tracker. If you already run MaxMyPoint for balances, the reason to add Miles Mosaic is the tier forecast and the status simulator rather than the balance view.
Why not link my accounts to make life easier?
Because the moment we do, the privacy promise is gone. We're not interested in being the next "securely stored credentials" headline.
Try Miles Mosaic free
Explorer is free forever. Pro is $14.99/month with a 14-day trial. No card required.
How we compare
Claims about MaxMyPoint on this page reflect its publicly available documentation, features and pricing as last checked on . We compare on the dimensions that matter for cross-programme loyalty tracking: what each tool tracks, how it obtains your data, elite-status forecasting, pricing, and the privacy and credential model. We do not exhaustively test every paid feature of competing products, and programmes change their terms, so confirm current details on each provider's own site. This page is updated when a competitor changes its public terms.
This comparison reflects MaxMyPoint's publicly documented positioning and feature set on maxmypoint.com, read against Miles Mosaic's own product behaviour. We did not run a paid MaxMyPoint account end to end, and we have deliberately not quoted their pricing or specific integrations, because a smaller product changes both quickly and a stale number would be worse than none. Confirm current details on their site before deciding.