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
Reset

All Benefits — 28 shown

Benefit Card Category Cadence Annual $ This Period $ Status / Mark Used
● $600 Hotel Credit (FHR/THC)
Book Fine Hotels & Resorts (FHR) or Hotel Collection (2-night min) prepaid via AmexTravel.com.
$300 Jan-Jun + $300 Jul-Dec; each half forfeited if unused
 Amex Personal Platinum Travel Semi-Annual
2026-H1
 $600 $300
● Priority Pass Select
1,300+ lounges. NO restaurant/spa credits. Standard guest fees apply.
Enrollment required
 Amex Personal Platinum Lounge Annual
2026
 $469 $469
● $400 Resy Dining Credit
Enrollment req. U.S. Resy restaurants and Resy purchases.
Each $100 forfeited at end of calendar quarter
 Amex Personal Platinum Dining Quarterly
2026-Q2
 $400 $100
● $300 Digital Entertainment Credit
Eligible: Disney+, Hulu, ESPN+, Disney Bundle, NYT, WSJ, Peacock, Audible. Enrollment required.
Each month's $25 forfeited if unused
 Amex Personal Platinum Entertainment Monthly
2026-06
 $300 $25
● $300 Lululemon Credit
Enrollment req. U.S. lululemon in-store or online.
Each $75 forfeited at end of calendar quarter
 Amex Personal Platinum Shopping Quarterly
2026-Q2
 $300 $75
● $209 CLEAR Plus Credit
Pay CLEAR+ with Plat; statement credit applied.
Auto-renewing CLEAR+ membership required
 Amex Personal Platinum Travel Annual
2026
 $209 $209
● $200 Airline Fee Credit
Select one airline (yours: American). Incidental fees only — bags, seat selection, lounge day pass. Airfare/upgrades/awards do NOT qualify.
Forfeited Dec 31 if unused
 Amex Personal Platinum Travel Annual
2026
 $200 $200
● $200 Oura Ring Credit
Enrollment req. Direct from Oura.
One-time per calendar year
 Amex Personal Platinum Wellness Annual
2026
 $200 $200
● $200 Uber Cash
Add Plat as Uber payment method. Auto-deposits monthly.
Each month's $15 expires end of month. Dec gets $35.
 Amex Personal Platinum Travel Monthly
2026-06
 $200 $15
● Walmart+ Membership Credit
Plus Ups (annual) excluded. Includes Paramount+ Essential.
Monthly auto-renew Walmart+ required (NOT annual plan)
 Amex Personal Platinum Shopping Monthly
2026-06
 $155 $12.95
● $120 Uber One Membership
Subscribe to Uber One ($9.99/mo); $10 statement credit posts each month.
Auto-renew Uber One membership required
 Amex Personal Platinum Dining Monthly
2026-06
 $120 $10
● Global Entry / TSA PreCheck Credit
Pay Global Entry application fee with card.
$120 every 4 years (or $85 TSA every 4.5y)
 Amex Personal Platinum Travel Every 4 Years $30 $120
● 5x MR on Flights (direct or AmexTravel)
5 MR per $1 — best earn rate available.
Cap $500K/cal yr then 1x
 Amex Personal Platinum Points Multiplier On-Demand use-based — on-demand
● 5x MR on Prepaid Hotels (AmexTravel)
5 MR per $1 on AmexTravel.com prepaid hotels.
While account open
 Amex Personal Platinum Points Multiplier On-Demand use-based — on-demand
● Baggage Insurance ($2K checked / $3K carry-on)
Lost, damaged, or stolen baggage on common carrier.
Ticket charged to card
 Amex Personal Platinum Insurance/Protection On-Demand use-based — on-demand
● Cell Phone Protection ($800/claim)
$50 deductible, max 2 claims/12mo. Theft/damage only — not loss.
Pay cell bill with card month before incident
 Amex Personal Platinum Insurance/Protection On-Demand use-based — on-demand
● Centurion Lounge Access
Show Plat + same-day boarding pass. 2 guests free if you spend $75K/cal yr (you're at $57,826).
While account open
 Amex Personal Platinum Lounge On-Demand use-based — on-demand
● Delta Sky Club Access (10 visits / unlimited at $75K)
Must fly Delta same-day. Currently UNLIMITED through Jan 31, 2027.
Visits reset Feb 1
 Amex Personal Platinum Lounge Annual
2026
 use-based — on-demand
● Extended Warranty (+1 year)
Adds 1 year to U.S. manufacturer warranty.
Original warranty must be ≤5y
 Amex Personal Platinum Insurance/Protection On-Demand use-based — on-demand
● Fine Hotels & Resorts ($600+/stay value)
Daily breakfast for 2, noon check-in, 4pm late checkout (guaranteed), upgrade, $100 amenity, Wi-Fi.
Per stay
 Amex Personal Platinum Travel On-Demand use-based — on-demand
● Hilton Honors Gold Status
Enrollment required. 80% bonus pts, room upgrades, daily F&B credit, 5th-night-free awards.
While Plat is open
 Amex Personal Platinum Status On-Demand use-based — on-demand
● Marriott Bonvoy Gold Elite
25% bonus pts, room upgrades, 2pm late checkout. Enrollment required.
While Plat is open
 Amex Personal Platinum Status On-Demand use-based — on-demand
● No Foreign Transaction Fees
Saves ~3% per international purchase.
While cardmember
 Amex Personal Platinum Fee Waiver On-Demand use-based — on-demand
● Premium Global Assist Hotline ($15K medical evac)
Free coordination + emergency medical evacuation.
100+ miles from home
 Amex Personal Platinum Insurance/Protection On-Demand use-based — on-demand
● Purchase Protection ($10K/$50K)
Damage/theft of items charged to card. File within 30 days.
90 days from purchase
 Amex Personal Platinum Insurance/Protection On-Demand use-based — on-demand
● Return Protection ($300/$1K)
If merchant won't take return, Amex refunds. $1K/year cap.
Within 90 days of purchase
 Amex Personal Platinum Insurance/Protection On-Demand use-based — on-demand
● Trip Cancellation/Interruption ($10K/trip)
$20K/year cap. Covers illness, severe weather, etc.
Common-carrier fare on card
 Amex Personal Platinum Insurance/Protection On-Demand use-based — on-demand
● Trip Delay Insurance ($500)
Delay must exceed 6 hours. Max 2 claims per 12mo.
Common-carrier ticket charged to card
 Amex Personal Platinum Insurance/Protection On-Demand use-based — on-demand