How it works

No receipts. No spreadsheets.
No bank login.

Three steps, and only the first one asks anything of you.

01

Declare what you carry

Cards, loyalty programmes, status tiers. Two minutes, and nothing is connected to your bank.

You pick from a list. We already hold the benefit schedule for every card on it, so the moment you tick one, its credits appear on your calendar with real dates attached.

2 minTo set up

Cards you hold

3 selected

Amex PlatinumAmex GoldSapphire ReserveVenture XHilton AspireMarriott BrilliantDelta ReserveCiti Strata Premier

Names only. No numbers, no bank connection, no verification step.

02

We hold the rules

Every credit, cadence, enrolment requirement and qualifying condition — maintained as issuers change them.

There is no feed for this. It is hand-maintained, versioned with effective dates, and monitored for the term changes issuers publish quietly in January.

1,400+Benefit rules maintained

Corpus record

v4 · eff. 2026-01-01

Benefit
Airline incidental fee credit
Amount
$200
Cadence
Calendar year
Enrolment
Required — one airline, selected annually
Qualifies
Checked bags, seat fees, lounge day passes
Excluded
Airfare, upgrades, award taxes

Three prior versions on file. The 2026 revision narrowed qualifying spend — members were told before it took effect.

03

You stop losing money

A calendar that tells you what expires this month, and what you are owed on the trip you are already taking.

Notifications are timed to the deadline, not to a marketing schedule. If nothing is expiring, we say nothing.

0Marketing emails

Grandeur Pass

Today

$15 rideshare credit expires in 4 days

Platinum · resets 1 Oct

Grandeur Pass

Yesterday

You are owed breakfast at this property

Globalist · arriving Thursday

Grandeur Pass

3 days ago

Decline the counter waiver

Venture X carries primary collision

Timed to the deadline, not to a marketing calendar. If nothing is expiring, we send nothing.

What it looks like

Twelve deadlines.
Four remembered.

A $20 monthly credit is not one decision a year. It is twelve, each one silent, each one worth exactly as much as remembering it.

$20 monthly credit

4 of 12 claimed

Jan$20
Feb$20
Mar—
Apr—
May$20
Jun—
Jul—
Aug—
Sep$20
Oct—
Nov—
Dec—

$160expired unclaimed, one silent deadline at a time.