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Track Every Benefit.
On Every Card

Managing multiple premium cards shouldn't require a spreadsheet. Seamlessly track perks and credits across your entire wallet, or household. Our AI flags overlapping benefits, eliminates wasted fees, and routes your spending to ensure every card earns its keep.

The wallet on this page
  • The Platinum CardAmerican Express · $895/yr · 12 creditsYours
  • Sapphire ReserveChase · $795/yr · 8 creditsYours
  • American Express Gold CardAmerican Express · $325/yr · 5 creditsPartner's
Build your walletFree. Two minutes. No card numbers.

Never let an annual credit expire again.

Annual fees are prepayments, not costs — but only if you capture the returns. CC Reward consolidates every credit window across all your household cards onto a single, synchronized timeline. Drill into any category to view available credits, highlighting overlap, alerting you to missing or expiring credits, and walking you through how to enroll.

Your Master Calendar

25 credits · 135 windows a year · 3 cards
CreditCardWhoseValue / yrGateDuration of Perk
JFMAMJJASOND
Hotel creditalso on another cardUp to $300 Jan–Jun and $300 Jul–Dec ($600/yr) on prepaid Fine Hotels + Resorts or The Hotel Collection bookings via Amex Travel (THC needs 2+ nights).The Platinum Card · YoursYours$600AutomaticTwice a year – Jan/Jul
Airline fee creditUp to $200/yr in incidental fees with one selected airline. Enrollment + airline selection required.The Platinum Card · YoursYours$200Enrol firstYearly – Jan–Dec
The Edit hotel creditalso on another card$250 Jan–Jun and $250 Jul–Dec on prepaid The Edit hotel bookings (2-night min).Sapphire Reserve · YoursYours$500AutomaticTwice a year – Jan/Jul
Travel credit$300/yr automatic credit on travel purchases.Sapphire Reserve · YoursYours$300AutomaticYearly – Jan–Dec

window opens anniversary, month unknownalso on another card the same benefit on two cards in this walletDrafted a figure not yet verified against issuer terms

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Stop paying twice for the same benefit.

Duplicate credits, conflicting insurance, overlapping subscriptions. Follow the golden rule to always pull the winning card.

8redundancies
Hotel creditResy dining creditUber CashGlobal Entry / TSA PreCheck feeDining creditEntertainment creditRental car coveragePriority Pass lounges
  • Hotel creditUse The Platinum Card · also on Sapphire Reserve$600/yr
  • Resy dining creditUse The Platinum Card · also on American Express Gold Card$400/yr
  • Uber CashUse The Platinum Card · also on American Express Gold Card$180/yr
  • Global Entry / TSA PreCheck feeUse The Platinum Card · also on Sapphire Reserve$30/yr
  • Dining creditUse Sapphire Reserve · also on American Express Gold Card$300/yr
  • Entertainment creditUse Sapphire Reserve · also on American Express Gold Card$300/yr
  • Rental car coverageUse Sapphire Reserve · also on The Platinum Card, American Express Gold Card
  • Priority Pass loungesUse The Platinum Card · also on Sapphire Reserve

Gold: the card to use. Grey: along for the ride.

8 findings · catalog facts, not opinions
Same credit more than once

Hotel credit on 2 cards

The Platinum Card — use this one · Sapphire Reserve

The Platinum Card $600/yr, Sapphire Reserve $500/yr. Both pay for the same thing.

Use The Platinum Card first — its credit is the larger — and spend the other before its window closes. Both count; the risk is forgetting the second.

Same credit more than once

Resy dining credit on 2 cards

The Platinum Card — use this one · American Express Gold Card

Yours, when you build itThe reason and the fix are part of your wallet.
Same credit more than once

Uber Cash on 2 cards

The Platinum Card — use this one · American Express Gold Card

Yours, when you build itThe reason and the fix are part of your wallet.
Same credit more than once

Global Entry / TSA PreCheck fee on 2 cards

The Platinum Card — use this one · Sapphire Reserve

Yours, when you build itThe reason and the fix are part of your wallet.
Same credit more than once

Dining credit on 2 cards

Sapphire Reserve — use this one · American Express Gold Card

Yours, when you build itThe reason and the fix are part of your wallet.
Same credit more than once

Entertainment credit on 2 cards

Sapphire Reserve — use this one · American Express Gold Card

Yours, when you build itThe reason and the fix are part of your wallet.
Coverage

Rental car coverage at two strengths

The Platinum Card · Sapphire Reserve — use this one · American Express Gold Card

Yours, when you build itThe reason and the fix are part of your wallet.
Coverage

2 Priority Pass memberships

The Platinum Card — use this one · Sapphire Reserve

Yours, when you build itThe reason and the fix are part of your wallet.

Smarter together: End card conflict.

Spot the 8 places your household is paying double. We deliver the diagnosis, the winning card, and the permanent fix in one unified dashboard.

Join thousands maximizing multi-card households.

Optimize your Cards

Your life, optimized down to the dollar

You don't need to live in fine print. We map your real-world spend for you — a home renovation, a trip to Tokyo, or your weekly groceries. CC Reward's AI model maps it out in seconds: which card to use, what perks apply, and the cost of getting it wrong.

Where you spend

Sample questions, on the sample wallet. Ask about your own cards on Which Card? — or build your wallet and ask it here.

Opportunity Cost$395if you reach for the wrong card at each step
Your wallet covers6 of 6steps
Cards used3 of 3the whole wallet earns its keep

A week in Palm Springs

From the sample question: “I am flying to Palm Springs in November, renti…”

6/6steps covered$395opportunity cost
  1. 1Booking the flightTravel and airline-fee credits apply to the fare or its incidentalsSapphire ReserveTravel credit — $300 per yearIf you skip it: $300 of Travel credit goes unused this window.
  2. 2At the airportLounge access before the flightThe Platinum CardPriority Pass, Centurion, Delta Sky Club, Plaza Premium access · typical price, not a quoteIf you skip it: a day pass, about $50 a visit — a typical price, not a quote.
  3. 3Renting the car for a weekPay with the card whose coverage is primary and decline the counter's waiverSapphire ReservePrimary rental car coverage · typical price, not a quote→ Decline the counter's collision waiverIf you skip it: the counter's waiver, about $30 a day — a typical price, not a quote.
  4. 4Staying at the AirbnbNo hotel credit applies to a rental home - earn the best travel rate insteadSapphire Reserve8× on travel, points onlyIf you skip it: points only — nothing is lost but the rate.
  5. 5Buying groceriesNo grocery credit in this wallet - the best grocery rate winsAmerican Express Gold CardYour partner's card.4× on groceries, points onlyIf you skip it: points only — nothing is lost but the rate.
  6. 6Getting around townRides and transitThe Platinum CardUber Cash — $15 per month · enrol firstIf you skip it: $15 of Uber Cash goes unused this window.

Credit amounts are face value for the current window. Waiver, lounge and insurance figures are typical prices, not quotes.

Right card. Right time. Before you tap.

Real-time card recommendations sent before the purchase, not after the regret.

Start getting more for your dollar

Never think about annual fees again

Set up your wallet in two minutes to get automated expiration alerts, real-time card picks, and a clear renewal verdict on whether every card earned its keep.

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