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Welcome back, Marcus

Your rewards portfolio is performing well. Here's your overview.

You are losing approximately $18,400/year in rewards

Based on your current card setup and spending patterns. Our AI has identified optimization opportunities across 8 categories.

Total Points

3.0M

+12.4%

Estimated Value

$35,356

+8.2%

Monthly Spend

$120,300

-3.8%

Active Bonuses

4

2 expiring soon

Points Portfolio

8 Programs

American Express

Membership Rewards

487K

~$9,745

Chase

Ultimate Rewards

343K

~$6,856

Capital One

Capital One Miles

216K

~$3,234

Hilton

Hilton Honors

892K

~$4,462

Marriott

Marriott Bonvoy

445K

~$3,560

United Airlines

MileagePlus

178K

~$2,496

Active Transfer Bonuses

Live
+30%Ends Aug 31

Amex MR Virgin Atlantic

+25%Ends Sep 15

Chase UR British Airways

+40%Ends Aug 20

Amex MR Hilton Honors

+20%Ends Sep 30

Capital One Air Canada Aeroplan

Monthly Spend & Rewards

6 Months
Mar$95,000 → $4,200 rewards
Apr$108,000 → $5,100 rewards
May$112,000 → $5,800 rewards
Jun$98,000 → $4,900 rewards
Jul$125,000 → $7,200 rewards
Aug$120,300 → $6,800 rewards

Points Health Alerts

1 Critical
bonus

30% Transfer Bonus Ending Soon

Amex MR to Virgin Atlantic 30% transfer bonus expires in 2 days. Consider transferring now if you have upcoming flights.

expiry

Hilton Points Expiring

Your 892,400 Hilton Honors points will expire in 45 days due to account inactivity. Any qualifying activity will reset the clock.

devaluation

Delta SkyMiles Devaluation Alert

Delta has announced changes to partner award pricing effective November 2025. Business class awards to Europe may increase 15-25%.

bonus

40% Hilton Transfer Bonus

Transfer Amex MR to Hilton Honors at a 40% bonus. Great for aspirational stays at Waldorf Astoria properties.

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