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 — 12 shown
| Benefit | Card | Category | Cadence | Annual $ | This Period $ | Status / Mark Used | |
|---|---|---|---|---|---|---|---|
| ● |
$125 American Airlines Flight Discount (at $20K spend)
Reissued each cardmember year if you hit threshold.
Earn after $20K spend in cardmember year + renew
|
Citi / AAdvantage Platinum Select (Personal) | Travel | Spend-Unlocked 2026-spend |
$125 | $125 | |
| ● |
10% Miles Back on Redemptions (10K cap)
10% of miles refunded, up to 10K miles/year.
Cap resets each cal yr
|
Citi / AAdvantage Platinum Select (Personal) | Points Multiplier | Annual 2026 |
use-based | — | on-demand |
| ● |
10% Off AA Vacations
10% off qualifying AA Vacations packages.
Per booking
|
Citi / AAdvantage Platinum Select (Personal) | Travel | On-Demand | use-based | — | on-demand |
| ● |
25% Inflight Food/Beverage Savings
Auto statement credit on AA inflight F&B charged to card.
Per purchase
|
Citi / AAdvantage Platinum Select (Personal) | Dining | On-Demand | use-based | — | on-demand |
| ● |
2x AA Miles on AA + Restaurants + Gas
2 AAdvantage miles per $1 on AA, restaurants, gas.
Per transaction
|
Citi / AAdvantage Platinum Select (Personal) | Points Multiplier | On-Demand | use-based | — | on-demand |
| ● |
Damage & Theft Purchase Protection
Per claim caps in Citi Guide to Protection Benefits.
90d from purchase
|
Citi / AAdvantage Platinum Select (Personal) | Insurance/Protection | On-Demand | use-based | — | on-demand |
| ● |
Extended Warranty
Note: shorter base warranty req than Amex/Chase.
Original mfr warranty ≤12 months
|
Citi / AAdvantage Platinum Select (Personal) | Insurance/Protection | On-Demand | use-based | — | on-demand |
| ● |
First Checked Bag Free (AA Domestic)
~$35/segment value. Cardmember + up to 4 companions on same domestic itinerary.
Per AA flight
|
Citi / AAdvantage Platinum Select (Personal) | Travel | On-Demand | use-based | $35 | |
| ● |
Loyalty Points (status earn)
1 LP per AA mile from purchases — counts toward AA elite.
AA status year Mar 1 - Feb 28
|
Citi / AAdvantage Platinum Select (Personal) | Status | Annual 2026 |
use-based | — | on-demand |
| ● |
No Foreign Transaction Fees
0% FX fee.
Always
|
Citi / AAdvantage Platinum Select (Personal) | Fee Waiver | On-Demand | use-based | — | on-demand |
| ● |
Preferred Boarding (Group 5)
Automatic on AA-operated flights with AAdvantage # in res.
Per AA flight
|
Citi / AAdvantage Platinum Select (Personal) | Travel | On-Demand | use-based | — | on-demand |
| ● |
Up to $180 Turo Statement Credits
Enrollment may be required.
Limited-time promo — verify current end date
|
Citi / AAdvantage Platinum Select (Personal) | Travel | On-Demand | use-based | $180 |