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Premium cards come with credits
that reset on their schedule.
Monthly dining credits. Quarterly travel reimbursements. Annual lifestyle allowances. Each one resets on a different date, with a different merchant list, and a different claim process.
Cardholders with two or more premium cards leave $400–800 in credits unclaimed every year — not because they stopped caring, but because there was nowhere to track it.
Based on Amex Platinum (Uber Cash $180, Streaming $240), Amex Gold (Dining $120), Chase Sapphire Reserve (DoorDash $60). Actual credits vary by card and year.
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Editor's Pick
Our top travel rewards card
Chase Sapphire Preferred
- 75,000 bonus points after $5,000 spend in 3 months
- 3x points on dining and 2x on travel worldwide
- Points transfer to 14 airline and hotel partners
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