{
 "generated_at": "2026-09-17T17:30:03+00:00",
 "point_values_cents": [
  1.0,
  1.5,
  2.0
 ],
 "cards": [
  {
   "id": "amex-platinum",
   "name": "Amex Platinum",
   "short": "Platinum Card (...1004)",
   "issuer": "American Express",
   "member_year": {
    "start": "2026-03-13",
    "end": "2027-03-13"
   },
   "fee": {
    "amount": 895.0,
    "posted": "2026-03-23"
   },
   "welcome_offer": {
    "points": 80000,
    "program": "Membership Rewards",
    "status": "earned",
    "estimated": false,
    "source": "Amex phone-application disclosure email 2026-03-13: 80k MR after $12k spend in 6 months; user confirmed earned"
   },
   "benefits": [
    {
     "key": "digital",
     "label": "Digital entertainment",
     "period": "monthly",
     "cap": 25.0,
     "note": "Covers YouTube Premium $8.99; up to $25/mo available",
     "periods": [
      {
       "key": "2026-03",
       "label": "Mar\u2009'26",
       "ends": "2026-03-31",
       "credited": 19.98,
       "status": "partial",
       "txns": [
        {
         "id": "247164144416138579",
         "date": "2026-03-17",
         "amount": 2.99,
         "name": "Platinum Digital Entertainment Credit",
         "pending": false
        },
        {
         "id": "247164144416138578",
         "date": "2026-03-17",
         "amount": 16.99,
         "name": "Platinum Digital Entertainment Credit",
         "pending": false
        }
       ]
      },
      {
       "key": "2026-04",
       "label": "Apr\u2009'26",
       "ends": "2026-04-30",
       "credited": 7.99,
       "status": "partial",
       "txns": [
        {
         "id": "247164144416138486",
         "date": "2026-04-16",
         "amount": 7.99,
         "name": "Platinum Digital Entertainment Credit",
         "pending": false
        }
       ]
      },
      {
       "key": "2026-05",
       "label": "May\u2009'26",
       "ends": "2026-05-31",
       "credited": 8.99,
       "status": "partial",
       "txns": [
        {
         "id": "247164144416138426",
         "date": "2026-05-16",
         "amount": 8.99,
         "name": "Platinum Digital Entertainment Credit",
         "pending": false
        }
       ]
      },
      {
       "key": "2026-06",
       "label": "Jun\u2009'26",
       "ends": "2026-06-30",
       "credited": 8.99,
       "status": "partial",
       "txns": [
        {
         "id": "247164132270483078",
         "date": "2026-06-16",
         "amount": 8.99,
         "name": "Platinum Digital Entertainment Credit",
         "pending": false
        }
       ]
      },
      {
       "key": "2026-07",
       "label": "Jul\u2009'26",
       "ends": "2026-07-31",
       "credited": 8.99,
       "status": "partial",
       "txns": [
        {
         "id": "249757886166804381",
         "date": "2026-07-16",
         "amount": 8.99,
         "name": "Platinum Digital Entertainment Credit",
         "pending": false
        }
       ]
      },
      {
       "key": "2026-08",
       "label": "Aug\u2009'26",
       "ends": "2026-08-31",
       "credited": 8.99,
       "status": "partial",
       "txns": [
        {
         "id": "252549089055679830",
         "date": "2026-08-16",
         "amount": 8.99,
         "name": "Platinum Digital Entertainment Credit",
         "pending": false
        }
       ]
      },
      {
       "key": "2026-09",
       "label": "Sep\u2009'26",
       "ends": "2026-09-30",
       "credited": 0,
       "status": "open",
       "txns": []
      },
      {
       "key": "2026-10",
       "label": "Oct\u2009'26",
       "ends": "2026-10-31",
       "credited": 0,
       "status": "future",
       "txns": []
      },
      {
       "key": "2026-11",
       "label": "Nov\u2009'26",
       "ends": "2026-11-30",
       "credited": 0,
       "status": "future",
       "txns": []
      },
      {
       "key": "2026-12",
       "label": "Dec\u2009'26",
       "ends": "2026-12-31",
       "credited": 0,
       "status": "future",
       "txns": []
      },
      {
       "key": "2027-01",
       "label": "Jan\u2009'27",
       "ends": "2027-01-31",
       "credited": 0,
       "status": "future",
       "txns": []
      },
      {
       "key": "2027-02",
       "label": "Feb\u2009'27",
       "ends": "2027-02-28",
       "credited": 0,
       "status": "future",
       "txns": []
      }
     ],
     "realized": 63.93,
     "remaining": 150.0
    },
    {
     "key": "uber-one",
     "label": "Uber One membership",
     "period": "monthly",
     "cap": 4.99,
     "note": "Rebates the Uber One membership; the $15/mo Uber Cash lands in-app and never posts to the statement",
     "periods": [
      {
       "key": "2026-03",
       "label": "Mar\u2009'26",
       "ends": "2026-03-31",
       "credited": 0,
       "status": "missed",
       "txns": []
      },
      {
       "key": "2026-04",
       "label": "Apr\u2009'26",
       "ends": "2026-04-30",
       "credited": 4.99,
       "status": "used",
       "txns": [
        {
         "id": "247164144416138512",
         "date": "2026-04-05",
         "amount": 4.99,
         "name": "Platinum Uber One Credit",
         "pending": false
        }
       ]
      },
      {
       "key": "2026-05",
       "label": "May\u2009'26",
       "ends": "2026-05-31",
       "credited": 4.99,
       "status": "used",
       "txns": [
        {
         "id": "247164144416138444",
         "date": "2026-05-05",
         "amount": 4.99,
         "name": "Platinum Uber One Credit",
         "pending": false
        }
       ]
      },
      {
       "key": "2026-06",
       "label": "Jun\u2009'26",
       "ends": "2026-06-30",
       "credited": 4.99,
       "status": "used",
       "txns": [
        {
         "id": "247164132270483109",
         "date": "2026-06-05",
         "amount": 4.99,
         "name": "Platinum Uber One Credit",
         "pending": false
        }
       ]
      },
      {
       "key": "2026-07",
       "label": "Jul\u2009'26",
       "ends": "2026-07-31",
       "credited": 4.99,
       "status": "used",
       "txns": [
        {
         "id": "248789422710138835",
         "date": "2026-07-05",
         "amount": 4.99,
         "name": "Platinum Uber One Credit",
         "pending": false
        }
       ]
      },
      {
       "key": "2026-08",
       "label": "Aug\u2009'26",
       "ends": "2026-08-31",
       "credited": 4.99,
       "status": "used",
       "txns": [
        {
         "id": "251564964208387605",
         "date": "2026-08-05",
         "amount": 4.99,
         "name": "Platinum Uber One Credit",
         "pending": false
        }
       ]
      },
      {
       "key": "2026-09",
       "label": "Sep\u2009'26",
       "ends": "2026-09-30",
       "credited": 4.99,
       "status": "used",
       "txns": [
        {
         "id": "254371699189032309",
         "date": "2026-09-05",
         "amount": 4.99,
         "name": "Platinum Uber One Credit",
         "pending": false
        }
       ]
      },
      {
       "key": "2026-10",
       "label": "Oct\u2009'26",
       "ends": "2026-10-31",
       "credited": 0,
       "status": "future",
       "txns": []
      },
      {
       "key": "2026-11",
       "label": "Nov\u2009'26",
       "ends": "2026-11-30",
       "credited": 0,
       "status": "future",
       "txns": []
      },
      {
       "key": "2026-12",
       "label": "Dec\u2009'26",
       "ends": "2026-12-31",
       "credited": 0,
       "status": "future",
       "txns": []
      },
      {
       "key": "2027-01",
       "label": "Jan\u2009'27",
       "ends": "2027-01-31",
       "credited": 0,
       "status": "future",
       "txns": []
      },
      {
       "key": "2027-02",
       "label": "Feb\u2009'27",
       "ends": "2027-02-28",
       "credited": 0,
       "status": "future",
       "txns": []
      }
     ],
     "realized": 29.94,
     "remaining": 24.95
    },
    {
     "key": "walmart",
     "label": "Walmart+",
     "period": "monthly",
     "cap": 14.1,
     "note": "Offsets the Walmart+ Member charge dollar-for-dollar",
     "periods": [
      {
       "key": "2026-03",
       "label": "Mar\u2009'26",
       "ends": "2026-03-31",
       "credited": 14.1,
       "status": "used",
       "txns": [
        {
         "id": "247164144416138560",
         "date": "2026-03-21",
         "amount": 14.1,
         "name": "Platinum Walmart+ Credit",
         "pending": false
        }
       ]
      },
      {
       "key": "2026-04",
       "label": "Apr\u2009'26",
       "ends": "2026-04-30",
       "credited": 14.1,
       "status": "used",
       "txns": [
        {
         "id": "247164144416138475",
         "date": "2026-04-21",
         "amount": 14.1,
         "name": "Platinum Walmart+ Credit",
         "pending": false
        }
       ]
      },
      {
       "key": "2026-05",
       "label": "May\u2009'26",
       "ends": "2026-05-31",
       "credited": 14.1,
       "status": "used",
       "txns": [
        {
         "id": "247164132270483136",
         "date": "2026-05-22",
         "amount": 14.1,
         "name": "Platinum Walmart+ Credit",
         "pending": false
        }
       ]
      },
      {
       "key": "2026-06",
       "label": "Jun\u2009'26",
       "ends": "2026-06-30",
       "credited": 14.1,
       "status": "used",
       "txns": [
        {
         "id": "247528634838099303",
         "date": "2026-06-21",
         "amount": 14.1,
         "name": "Platinum Walmart+ Credit",
         "pending": false
        }
       ]
      },
      {
       "key": "2026-07",
       "label": "Jul\u2009'26",
       "ends": "2026-07-31",
       "credited": 14.1,
       "status": "used",
       "txns": [
        {
         "id": "250131448448885990",
         "date": "2026-07-21",
         "amount": 14.1,
         "name": "Platinum Walmart+ Credit",
         "pending": false
        }
       ]
      },
      {
       "key": "2026-08",
       "label": "Aug\u2009'26",
       "ends": "2026-08-31",
       "credited": 14.1,
       "status": "used",
       "txns": [
        {
         "id": "252931031759529625",
         "date": "2026-08-21",
         "amount": 14.1,
         "name": "Platinum Walmart+ Credit",
         "pending": false
        }
       ]
      },
      {
       "key": "2026-09",
       "label": "Sep\u2009'26",
       "ends": "2026-09-30",
       "credited": 0,
       "status": "open",
       "txns": []
      },
      {
       "key": "2026-10",
       "label": "Oct\u2009'26",
       "ends": "2026-10-31",
       "credited": 0,
       "status": "future",
       "txns": []
      },
      {
       "key": "2026-11",
       "label": "Nov\u2009'26",
       "ends": "2026-11-30",
       "credited": 0,
       "status": "future",
       "txns": []
      },
      {
       "key": "2026-12",
       "label": "Dec\u2009'26",
       "ends": "2026-12-31",
       "credited": 0,
       "status": "future",
       "txns": []
      },
      {
       "key": "2027-01",
       "label": "Jan\u2009'27",
       "ends": "2027-01-31",
       "credited": 0,
       "status": "future",
       "txns": []
      },
      {
       "key": "2027-02",
       "label": "Feb\u2009'27",
       "ends": "2027-02-28",
       "credited": 0,
       "status": "future",
       "txns": []
      }
     ],
     "realized": 84.6,
     "remaining": 84.6
    },
    {
     "key": "lululemon",
     "label": "lululemon",
     "period": "quarterly",
     "cap": 75.0,
     "note": "Quarterly credit, ~$75/season pretax; $68.05 observed 2026-07-18",
     "periods": [
      {
       "key": "2026-Q1",
       "label": "Q1 '26",
       "ends": "2026-03-31",
       "credited": 75.0,
       "status": "used",
       "txns": [
        {
         "id": "247164144416138580",
         "date": "2026-03-17",
         "amount": 75.0,
         "name": "Platinum Lululemon Credit",
         "pending": false
        }
       ]
      },
      {
       "key": "2026-Q2",
       "label": "Q2 '26",
       "ends": "2026-06-30",
       "credited": 0,
       "status": "missed",
       "txns": []
      },
      {
       "key": "2026-Q3",
       "label": "Q3 '26",
       "ends": "2026-09-30",
       "credited": 68.05,
       "status": "used",
       "txns": [
        {
         "id": "249917720593901014",
         "date": "2026-07-18",
         "amount": 68.05,
         "name": "Platinum Lululemon Credit",
         "pending": false
        }
       ]
      },
      {
       "key": "2026-Q4",
       "label": "Q4 '26",
       "ends": "2026-12-31",
       "credited": 0,
       "status": "future",
       "txns": []
      }
     ],
     "realized": 143.05,
     "remaining": 81.95
    },
    {
     "key": "resy",
     "label": "Resy dining",
     "period": "quarterly",
     "cap": 100.0,
     "note": "$100/quarter at Resy restaurants; $100 observed 2026-04-03",
     "periods": [
      {
       "key": "2026-Q1",
       "label": "Q1 '26",
       "ends": "2026-03-31",
       "credited": 0,
       "status": "missed",
       "txns": []
      },
      {
       "key": "2026-Q2",
       "label": "Q2 '26",
       "ends": "2026-06-30",
       "credited": 100.0,
       "status": "used",
       "txns": [
        {
         "id": "247164144416138526",
         "date": "2026-04-03",
         "amount": 100.0,
         "name": "Platinum Resy Credit",
         "pending": false
        }
       ]
      },
      {
       "key": "2026-Q3",
       "label": "Q3 '26",
       "ends": "2026-09-30",
       "credited": 0,
       "status": "open",
       "txns": []
      },
      {
       "key": "2026-Q4",
       "label": "Q4 '26",
       "ends": "2026-12-31",
       "credited": 0,
       "status": "future",
       "txns": []
      }
     ],
     "realized": 100.0,
     "remaining": 200.0
    },
    {
     "key": "saks",
     "label": "Saks Fifth Avenue",
     "period": "semiannual",
     "cap": 50.0,
     "note": "Discontinued June 30, 2026 after the Saks parent-company bankruptcy; Amex posted a +$50 'SAKS BENEFIT GOODWILL' send-off on 07-01 (counted as the H2 window). No replacement announced",
     "periods": [
      {
       "key": "2026-H1",
       "label": "H1 '26",
       "ends": "2026-06-30",
       "credited": 47.95,
       "status": "used",
       "txns": [
        {
         "id": "247164132270483092",
         "date": "2026-06-12",
         "amount": 47.95,
         "name": "PLATINUM SAKS CREDIT",
         "pending": false
        }
       ]
      },
      {
       "key": "2026-H2",
       "label": "H2 '26",
       "ends": "2026-12-31",
       "credited": 50.0,
       "status": "used",
       "txns": [
        {
         "id": "248211960805664171",
         "date": "2026-07-01",
         "amount": 50.0,
         "name": "SAKS BENEFIT GOODWILL",
         "pending": false
        }
       ]
      }
     ],
     "realized": 97.95,
     "remaining": 0.0
    },
    {
     "key": "hotel",
     "label": "Hotel credit (FHR/THC)",
     "period": "semiannual",
     "cap": 300.0,
     "note": "Up to $300 semi-annually on prepaid Amex Travel hotel bookings",
     "periods": [
      {
       "key": "2026-H1",
       "label": "H1 '26",
       "ends": "2026-06-30",
       "credited": 0,
       "status": "missed",
       "txns": []
      },
      {
       "key": "2026-H2",
       "label": "H2 '26",
       "ends": "2026-12-31",
       "credited": 0,
       "status": "open",
       "txns": []
      }
     ],
     "realized": 0,
     "remaining": 300.0
    },
    {
     "key": "airline",
     "label": "Airline fee credit",
     "period": "annual",
     "cap": 200.0,
     "note": "Incidental fees on the airline selected each January; posts as 'AMEX Airline Fee Reimbursement'. 2026 fully used: +$117.10 (03-19) and +$82.90 (04-05)",
     "periods": [
      {
       "key": "2026",
       "label": "2026",
       "ends": "2026-12-31",
       "credited": 200.0,
       "status": "used",
       "txns": [
        {
         "id": "247164144416138510",
         "date": "2026-04-05",
         "amount": 82.9,
         "name": "AMEX Airline Fee Reimbursement",
         "pending": false
        },
        {
         "id": "247164144416138563",
         "date": "2026-03-19",
         "amount": 117.1,
         "name": "AMEX Airline Fee Reimbursement",
         "pending": false
        }
       ]
      }
     ],
     "realized": 200.0,
     "remaining": 0.0
    },
    {
     "key": "equinox",
     "label": "Equinox",
     "period": "annual",
     "cap": 300.0,
     "note": "$300/yr Amex Equinox credit \u2014 posts as a plain EQUINOX merchant credit, no 'Credit' in the name (+$300 observed 2026-06-23). Separate from the $250/mo Instalily work reimbursement.",
     "periods": [
      {
       "key": "2026",
       "label": "2026",
       "ends": "2026-12-31",
       "credited": 300.0,
       "status": "used",
       "txns": [
        {
         "id": "247528634838099297",
         "date": "2026-06-23",
         "amount": 300.0,
         "name": "EQUINOX #103 NEW YORK",
         "pending": false
        }
       ]
      }
     ],
     "realized": 300.0,
     "remaining": 0.0
    },
    {
     "key": "clear",
     "label": "CLEAR Plus",
     "period": "annual",
     "cap": 199.0,
     "note": "Posts when CLEAR renews",
     "periods": [
      {
       "key": "2026",
       "label": "2026",
       "ends": "2026-12-31",
       "credited": 209.0,
       "status": "used",
       "txns": [
        {
         "id": "247164144416138589",
         "date": "2026-03-13",
         "amount": 209.0,
         "name": "AMEX CLEAR PLUS CREDIT",
         "pending": false
        }
       ]
      }
     ],
     "realized": 209.0,
     "remaining": 0.0
    }
   ],
   "other_credits": [],
   "totals": {
    "credits_realized": 1228.47,
    "other_credits": 0,
    "credits_remaining_potential": 841.5
   }
  },
  {
   "id": "chase-csp",
   "name": "Chase Sapphire Preferred",
   "short": "Sapphire Preferred (...8690)",
   "issuer": "Chase",
   "member_year": {
    "start": "2026-03-16",
    "end": "2027-03-16"
   },
   "fee": {
    "amount": 95.0,
    "posted": "2026-04-01"
   },
   "welcome_offer": {
    "points": 75000,
    "program": "Ultimate Rewards",
    "status": "earned",
    "estimated": false,
    "source": "User confirmed 2026-07-26: 75k UR earned"
   },
   "benefits": [
    {
     "key": "hotel",
     "label": "Chase Travel hotel credit",
     "period": "anniversary",
     "cap": 100.0,
     "note": "Doubled from $50 to $100 in the June 2026 CSP refresh; per anniversary year (resets Mar 16), on hotel stays booked through Chase Travel",
     "periods": [
      {
       "key": "AY1",
       "label": "card yr 1",
       "ends": "2027-03-15",
       "credited": 0,
       "status": "open",
       "txns": []
      }
     ],
     "realized": 0,
     "remaining": 100.0
    },
    {
     "key": "appletv",
     "label": "Apple TV subscription",
     "period": "annual",
     "cap": 156.0,
     "note": "One-time CSP refresh perk: complimentary Apple TV for 1 year ($156 value) if activated by Dec 31, 2026. Activation happens on chase.com, not as a statement credit \u2014 add \"2026\" to claimed_periods here once activated",
     "periods": [
      {
       "key": "2026",
       "label": "2026",
       "ends": "2026-12-31",
       "credited": 0,
       "status": "open",
       "txns": []
      }
     ],
     "realized": 0,
     "remaining": 156.0
    }
   ],
   "other_credits": [],
   "totals": {
    "credits_realized": 0,
    "other_credits": 0,
    "credits_remaining_potential": 256.0
   }
  }
 ]
}