Stats
Actions
Tags
From credit-card-benefits
Knowledge about premium credit card benefits, statement credits, and maximization strategies. Use when: - User asks about credit card benefits, credits, or perks - User mentions Amex Platinum, Venture X, Sapphire Reserve, Delta Reserve, or Alaska Atmos - User wants to know what credits are expiring or unused - User asks about travel credits, dining credits, or lounge access - User mentions statement credits, annual fee value, or benefit tracking
How this skill is triggered — by the user, by Claude, or both
Slash command
/credit-card-benefits:credit-card-benefitsThe summary Claude sees in its skill listing — used to decide when to auto-load this skill
Expert knowledge for maximizing premium credit card benefits across American Express Platinum, Capital One Venture X, Chase Sapphire Reserve, Bank of America Alaska Airlines Atmos, and Delta SkyMiles Reserve cards.
Expert knowledge for maximizing premium credit card benefits across American Express Platinum, Capital One Venture X, Chase Sapphire Reserve, Bank of America Alaska Airlines Atmos, and Delta SkyMiles Reserve cards.
| Date | Deadline | Card |
|---|---|---|
| Jan 31 | Select airline for $200 fee credit | Amex Platinum |
| Feb 1 | Capital One lounge guest fees begin | Venture X |
| Feb 1 | Medallion Year resets (Sky Club visits) | Delta Reserve |
| Mar 31 | Q1 credits expire (Resy, Lululemon) | Amex Platinum |
| Jun 25 | Uber One enrollment deadline (PROMO) | Delta Reserve |
| Jun 30 | H1 credits expire | Multiple cards |
| Sep 30 | Q3 credits expire (Resy, Lululemon) | Amex Platinum |
| Dec 31 | Calendar year credits expire | Multiple cards |
| Dec 31 | 2026 Select Hotels credit expires (does NOT continue to 2027) | CSR |
| Card | Annual Fee | Total Credits | Net Value |
|---|---|---|---|
| Amex Platinum | $895 | ~$3,700+ | +$2,800+ |
| Capital One Venture X | $395 | ~$400 | +$5 |
| Chase Sapphire Reserve | $795 | ~$1,950+ | +$1,155+ |
| Alaska Atmos Summit | $395 | ~$700+ | +$305+ |
| Delta Reserve | $650 | ~$560+ | +varies |
Note: Delta Reserve Uber One is promotional (not standing benefit). Alaska lounge pass values are subjective.
Most credits that reset on a fixed date regardless of when you opened the card.
Amex Platinum:
Chase Sapphire Reserve:
Resets on your card open date each year.
Capital One Venture X:
Alaska Atmos:
Delta Reserve:
Must be used each month or forfeited.
Amex Platinum:
Chase Sapphire Reserve:
Delta Reserve:
In 2026 only, you MAY be able to combine credits on one hotel stay:
Potential total: Up to $800 (stacking is possible but not guaranteed)
Requirements:
Note: The 2026 Select Hotels credit does NOT continue into 2027.
December is the best month for Amex Platinum:
Some benefits require active enrollment:
Amex Platinum:
Delta Reserve:
Capital One Venture X (Feb 1, 2026):
All five cards offer this credit, but you can only use one at a time:
Strategy: Use one card's credit, then use another card's credit when it renews 4+ years later.
When analyzing YNAB transactions for credit card credits:
| Credit | Merchant Patterns |
|---|---|
| Uber | UBER, UBER EATS, UBEREATS |
| Resy restaurants | Check Resy app for booked restaurants |
| Lululemon | LULULEMON |
| Saks | SAKS, SAKSFIFTHAVENUE |
| Digital entertainment | DISNEY, HULU, ESPN, PEACOCK, PARAMOUNT, NYT, WSJ, YOUTUBE |
| Airlines | Specific airline names |
| Delta Stays | DELTA.COM |
| Chase Travel | CHASE TRAVEL |
| Capital One Travel | CAPITAL ONE TRAVEL |
Look for:
npx claudepluginhub omarshahine/chief-of-staff-template --plugin credit-card-benefitsDesigns a credit card points and airline miles accumulation strategy to maximize travel rewards from everyday spending.
Inventories startup credits, perks, and discounts across accounts, emails, and programs using gscli searches. Activates for full audits, deal checks before signups, or cloud/VC mentions.
Analyzes transaction history to identify recurring expenses, unused subscriptions, duplicates, and optimization opportunities like cancellations or downgrades with estimated annual savings.