AMEX

Platinum Personal Card · ROI Summarizer 2024–2026 Rules

Automated perk reconciliation, annual fee audit & AI-powered ROI analysis

Dataset: No CSV Loaded · Using Ready State
📂 Statement Files Currently in Analysis (0):
No files uploaded yet. Drop or select statement files below.

Drop your Amex Platinum CSV or PDF statements (multi-year & multi-file supported) here, or click to browse

Supports standard Amex CSV exports and PDF billing statements. Upload and merge multiple files across years (e.g., 2025 and 2026). Parsed 100% locally in your browser (zero server cost & total privacy).

PDF & CSV Supported (Free) Base Fee: $695/yr 13+ Pre-configured Perks Gemini-1.5-Flash Audit
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Reconfirmed Rule: Net-Retained & Capped Unique Benefit Calculation (Inc. Return Protection) Active

Only unique uncancelled credits count towards your Benefits. Any refunds, credit reversals, or cancelled bookings (e.g., cancelled Hotel reservations, Airline Fee returns, or reversed Return Protection claims) are automatically subtracted from gross statement credits. Each benefit category is strictly capped at its official Amex annual allowance ($200 FHR, $200 Airline Fee, $1,000 Return Protection, $100 Saks, etc.).

Net Eligible Credits: $0.00
Statement Period:
Viewing ROI & Perk utilization for All-Time

Year-by-Year Executive ROI Summary

Side-by-side yearly performance comparison · Click any year card to drill down into detailed perk utilization

Progressive Disclosure Active

DETAILED PERK DRILL-DOWN (ALL)

Showing annual benefit caps & capture progress · Click any perk card to drill down into specific transactions below

13 Capped Categories

Gemini AI Reconciliation & Side-by-Side Benefit Audit

On-Demand AI

Side-by-side statement year comparison of each benefit, automated credit reconciliation & timing strategy

Executive ROI Summary

Load sample CSV transactions or upload your American Express statement. Click 'Run Gemini AI Reconciliation' above to generate personalized recommendations.

Side-by-Side Benefit Summary (Each Benefit by Year)

2024 vs 2025 Statement Audit
Amex Platinum Benefit / Allowance 2024 Statement Year 2025 Statement Year YoY Trend & AI Strategy
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Unutilized Allowances & Missed Perks

  • No remaining opportunity alerts yet.

AI Strategic Timing & Action Plan

  • 💡 Recommendations are paused by default. Click 'Run Gemini AI Reconciliation' above to analyze your statement and show recommendations.

Transaction Reconciliation Audit Log 0 items

Date Merchant / Description Amount Amex Benefit / Perk Tag Reconciliation Status Actions
No transactions loaded. Click "Load Sample Year-in-Review CSV" above to test immediately.