Total Annual Credit Value
$9,796
across 6 cards · 120 tracked benefits
This Period — Outstanding
$11,051.90
of $11,051.90 available right now
Claimed
0.0%
of currently-active credits used
Today
Jun 13, 2026
period clocks tick on cadence
Card Summary — ranked by net annual value (credits − fee)
| Card | Annual Fee | Annual Credit Value | Net | This Period Used | This Period Outstanding | Benefits |
|---|---|---|---|---|---|---|
| Amex Personal Platinum | $895 | $3,183 | $2,288 | $0 | $1,735.95 | 28 |
| Amex Business Platinum | $695 | $2,854 | $2,159 | $0 | $5,114 | 22 |
| Chase Sapphire Reserve | $795 | $2,789 | $1,994 | $0 | $3,244 | 37 |
| Citi / AAdvantage Business World Elite Mastercard | $99 | $300 | $201 | $0 | $335 | 11 |
| Amex Business Gold | $375 | $545 | $170 | $0 | $282.95 | 10 |
| Citi / AAdvantage Platinum Select (Personal) | $99 | $125 | $26 | $0 | $340 | 12 |
All Benefits — 10 shown
| Benefit | Card | Category | Cadence | Annual $ | This Period $ | Status / Mark Used | |
|---|---|---|---|---|---|---|---|
| ● |
$240 Flexible Business Credit
Enrollment req. FedEx, Grubhub, Office Supply Stores. U.S. only.
Each month's $20 forfeited if unused
|
Amex Business Gold | Business | Monthly 2026-06 |
$240 | $20 | |
| ● |
Walmart+ Membership Credit
Same as Personal Plat — pay monthly Walmart+ with this card.
Monthly auto-renew required
|
Amex Business Gold | Shopping | Monthly 2026-06 |
$155 | $12.95 | |
| ● |
$150 Squarespace Credit
Enrollment req. U.S. Squarespace direct purchases.
Forfeited Dec 31
|
Amex Business Gold | Business | Annual 2026 |
$150 | $150 | |
| ● |
3x MR on AmexTravel Flights & Hotels
3x via AmexTravel.com prepaid bookings.
While account open
|
Amex Business Gold | Points Multiplier | On-Demand | use-based | — | on-demand |
| ● |
4x MR on Top 2 Categories (auto-picked)
Categories: U.S. transit, gas, restaurants, advertising, shipping, tech/cloud/software. Top 2 picked monthly automatically.
Cap $150K combined per cal yr then 1x
|
Amex Business Gold | Points Multiplier | Monthly 2026-06 |
use-based | — | on-demand |
| ● |
Cell Phone Protection ($800/claim)
$50 deductible, max 2 claims/12mo.
Pay cell bill with card month prior
|
Amex Business Gold | Insurance/Protection | On-Demand | use-based | — | on-demand |
| ● |
No Foreign Transaction Fees
Saves ~2.7-3% per international purchase.
While cardmember
|
Amex Business Gold | Fee Waiver | On-Demand | use-based | — | on-demand |
| ● |
Purchase Protection / Extended Warranty
$10K/$50K limits. Extended warranty +1yr on warranties ≤5yr.
90d / +1yr
|
Amex Business Gold | Insurance/Protection | On-Demand | use-based | — | on-demand |
| ● |
The Hotel Collection ($100 credit, 2-night min)
Book via AmexTravel; $100 on-property amenity credit.
Per stay
|
Amex Business Gold | Travel | On-Demand | use-based | $100 | |
| ● |
Trip Delay / Baggage / Car Rental L&D
Trip delay ~$300, baggage $1,250 carry/$500 checked, car rental L&D secondary.
Trip charged to card
|
Amex Business Gold | Insurance/Protection | On-Demand | use-based | — | on-demand |