Global Entry, the Free Night Award, the United Club passes — anything that resets on each card's own renewal month rather than a shared calendar boundary. A Jan-reset credit and a July-reset credit can't honestly share the same row, so those only show their current status on the Board, not a history table here.
This is a manual log, not a feed. It doesn't connect to Amex or Chase, doesn't see your statements, and can't confirm a credit actually posted. It records what you tell it you burned, and it keeps that record across periods so you can see the pattern.
If you want it reading your real statement data, that's a different build — it'd need account access, and it'd be worth doing properly rather than bolting on here.
The credit is up to $25/month against eligible charges — it doesn't care how many services you stack. A single eligible subscription that already costs more than $25 maxes it every month with zero management.
YouTube TV (~$83) or The Wall Street Journal (~$39) each do this alone. Move the billing to the Platinum, enroll once, capture $300/yr forever.
Stack small services only if you already pay for them. Assembling a $25 pile you don't want is how a credit turns into a cost.
· Peacock and Paramount+ may already be free to you. Walmart+ (which the Platinum also pays for) bundles Paramount+ Essential. Don't pay twice for something a credit already covers.
· Don't pay for Apple TV at all right now — her Sapphire refresh includes a free year if she activates by Dec 31.
Anything not on the eligible list — Netflix, Spotify, Max — earns 3x on her Sapphire. There's no credit for it on the Platinum and the earn rate is worse.
Gas and EV charging is live now, and it outranks her Sapphire's brand-new 3x on gas — 5% beats 3x this quarter. Route all household fuel to the Freedom until you hit $1,500, then switch back.
Max value is $75/quarter, $300/yr. As Ultimate Rewards pooled into Ink Preferred or Sapphire, that's closer to $150.
Chase announces around Sept 15. Q4 has historically leaned on Chase Travel, department stores, and PayPal. If that repeats, PayPal is the flexible one — it absorbs a lot of unrelated spend at 5%.
| Spend | Card | Earn | Why this one |
|---|
| Card | Fee | Verdict | The math |
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Both Ink Preferred and Sapphire Preferred carry DashPass plus $10/month off a non-restaurant DoorDash order. No rollover.
The catch: only one Chase card can be enrolled per DoorDash account. Share a login and you collect one credit, not two. Separate accounts — one card enrolled on each — doubles it.
· Hotel credit doubled to $100/anniversary year
· New $120 Global Entry / TSA / NEXUS credit — didn't exist before
· Free year of Apple TV (~$156) — activate by Dec 31, 2026
· New 3x on gas + EV charging and 3x on Airbnb / Vrbo
· Fee stayed $95
Two clocks: her 10% anniversary bonus dies Oct 1 (she still earns it on spend until then), and her Hyatt ratio drops to 4:3 the same day.
2026 only: a $100 airline statement credit, $50 per half-year after $250 spent directly with airlines. Existing cardholders must activate manually. If she got the card before Jan 7 and never clicked, she's earned nothing. You fly three airlines — $250 per half is trivial.
Chase lets you move Ultimate Rewards between cardholders in the same household. Her Sapphire and your Ink Preferred are both transfer hubs — so Freedom, Freedom Unlimited, and Ink Cash points can flow to either and out to partners. Whoever has the better redemption in front of them holds the points.
The Prime Visa's 5% at Amazon, Whole Foods, and Amazon Fresh is unbeatable. But its points aren't Ultimate Rewards — can't pool, can't transfer, locked at 1¢, and the base rate is 1%. Use it inside the Amazon ecosystem and nowhere else.
Both Ink Preferred and Sapphire Preferred drop to 4:3 — 1,000 UR becomes 750 Hyatt. Only the Sapphire Reserve keeps 1:1, and nobody has one. If Hyatt is real to how you travel, that's a $795 decision to make before October. If it isn't, let the ratio fall.
135,000 qualifying points in a calendar year and she flies with you for taxes only, that year and all of the next. Nothing else here comes close.
Transferred Chase points don't count. The path is a timed pair of Southwest welcome bonuses landing in the same calendar year — and with twelve cards between you, 5/24 is a live constraint. Worth mapping before anyone applies.