Groceries$8,000/mo
Amex Gold 4× only through its $25k/year cap
Current cardAmex Goldcap-blended
Earned14,250 pts$285/mo
BestVenture X16,000 pts · $326
Left+1,750 ptsabout +$41/mo
Your wallet · verified Jul 28
Everything you hold, oriented.
Your balances, monthly spending, and the next useful move—one scan path, with the assumptions beside the numbers.
Wallet compass
2,618,000 points
$26,086–$50,959 · floor → typical
Holdings mapped104 cards · 3 airlines · 3 hotels
FreshnessJul 28values and sources verified
Completeness10 of 10all balances mapped
Balances by program
Groups summarize first. Open one for balances, valuation ranges, cards, and restrictions.
CCredit card points3 programs · 4 cards890,000 pts$5,800–$17,999›
C
Credit card points3 programs · 4 cards
| Program | Balance | Point value | Estimated worth |
|---|---|---|---|
| Amex Membership RewardsAmex Gold · Amex Platinum | 700,000 | 0.60–2.00¢ | $4,200–$14,000 |
| Chase Ultimate RewardsSapphire Preferred · Sapphire Reserve | 130,000 | 1.00–2.01¢ | $1,300–$2,613 |
| Citi ThankYouPoints-only balance | 60,000 | 0.50–2.31¢ | $300–$1,386 |
Values show conservative floor → typical redemption.
AAirline miles3 programs1,353,000 mi$16,560–$28,019›
A
Airline miles3 programs
| Program | Balance | Point value | Estimated worth |
|---|---|---|---|
| Air France–KLM Flying BlueSkyTeamExpires after 24 months of inactivity | 1,100,000 | 1.30–2.17¢ | $14,300–$23,870 |
| Delta SkyMilesSkyTeam | 130,000 | 1.10–1.34¢ | $1,430–$1,742 |
| Iberia Aviosoneworld | 83,000 | 1.00–2.90¢ | $830–$2,407 |
Program restrictions travel with the valuation.
HHotel points3 programs375,000 pts$3,726–$4,941›
H
Hotel points3 programs
| Program | Balance | Role in wallet | Typical use |
|---|---|---|---|
| World of HyattHigh-value hotel currency | 120,000 | Best hotel value | Premium award nights |
| Marriott BonvoyBroad global footprint | 155,000 | Flexible coverage | 5th-night-free stays |
| Hilton HonorsLarge earning balances | 100,000 | Wide availability | 5th-night-free stays |
375,000 hotel points across three programs.
Your monthly earn answer
Current cards versus the best card for each category, with caps and restrictions kept beside the result.
Currently earned / month29,750 ptsabout $605 in value
Left on the table / month1,750 ptsabout $41 in value
One next moveMove groceries to Venture X past the Gold cap.
The cap-aware answer beats Amex Gold by 1,750 points per month at this spend.
Category scorecard
$12,100 monthly spending mappedDining$1,200/mo
Current cardAmex Gold4× restaurants
Earned4,800 ptsabout $96
BestAmex Goldsame card
Left$0already optimized
Travel$2,000/mo
Current cardChase Sapphire Reserve4× direct travel
Earned8,000 ptsabout $161
BestSapphire Reservedirect bookings
Left$0already optimized
Gas$500/mo
Current cardCiti Strata Premier3× gas
Earned1,500 ptsabout $35
BestStrata Premiersame card
Left$0already optimized
Transit$400/mo
Current cardCiti Strata Premier3× transit
Earned1,200 ptsabout $28
BestStrata Premiersame card
Left$0already optimized