๐Ÿ›ก๏ธ Benefit Guardian

Unlock up to $3,000 in benefits hiding in your cards and memberships.

We help you discover credit card perks, subscription benefits, and government programs you might be missing โ€” without ever asking for your account numbers.

Find My Benefits โ€” Free

๐Ÿ”’ No account numbers ยท No bank linking ยท No credit check

Free forever. See what you're missing in under a minute.

See what your dashboard could look like.

Here's what a scan looks like for someone with an Amex Platinum. Your scan adapts to your cards and memberships.

๐Ÿ›ก๏ธ Your Dashboard
Amex Platinum
Total annual value found
$3,179
across 12 annually-recurring credits
Statement credits
$3,179
Travel perks
Lounge + FHR
Insurance coverage
3 protections
Included services
2 subscriptions
Top benefits
Annual Hotel Credit
Fine Hotels & Resorts
$600
Annual Resy Credit
Dining
$400
Annual Digital Entertainment
Disney+, NYT, WSJ, Peacock
$300
Annual CLEAR+ Credit
Airport security
$209

Sample dashboard preview. Your actual results vary based on the cards and memberships you have. Values shown are based on published benefit terms; redemption requires action.

Example scenarios for different card combinations

Illustrative scenarios using real cached benefit data โ€” not actual customer testimonials.

The credits hiding in a card portfolio depend on the cards. The two illustrative scenarios below show how findings can range from a few hundred dollars on a mid-tier setup to several thousand on a premium combination.

Premium traveler

Amex Platinum + Chase Sapphire Reserve

$3,579

in annually-recurring credits

Could surface โ€” including:

  • โ— $600 Annual Hotel Credit

    Amex Platinum

  • โ— $300 Digital Entertainment Credit

    Amex Platinum

  • โ— $300 lululemon Credit

    Amex Platinum

Reward optimizer

Amex Gold + Chase Sapphire Preferred

$594

in annually-recurring credits

Could surface โ€” including:

  • โ— $120 Dining Credit (Grubhub, Seamless, Buffalo Wild Wings, Five Guys)

    Amex Gold

  • โ— $120 DashPass Credit

    Chase Sapphire Preferred

  • โ— $100 Resy Credit

    Amex Gold

Illustrative scenarios only โ€” not customer testimonials. Each total represents annually-recurring statement credits attached to the listed cards in our database. Real value depends on which cards you carry, your spending habits, and whether you actively redeem each credit before its annual expiration. Benefits found are not benefits collected โ€” you still have to use them.

14

Federal benefit programs covered

20

Major credit cards tracked

100+

Hidden card perks and protections scanned

Dead simple. Here's how.

1

Tell us what you have

Share the names of your cards and subscriptions. No account numbers, ever.

2

We scan for benefits

Our tool checks card perks, membership credits, and government programs you may qualify for.

3

See what may apply to you

Get a personalized list of benefits to review, with steps to verify and claim each one yourself.

What we look for

๐Ÿ’ฐ

Credits you forgot you had

$200 airline credits, $300 dining credits, $600 hotel credits โ€” all sitting on premium cards you already own, all expiring annually if you don't activate them.

๐Ÿ“บ

Subscriptions you're paying twice for

Walmart+, Disney+ bundles, NYT, Equinox+ โ€” many premium cards reimburse these monthly. You may already be paying for the same thing twice.

๐Ÿ›ก๏ธ

When travel goes wrong

Cancel a flight, lose a bag, miss a connection โ€” travel cards often cover these losses up to $10,000+. Coverage is automatic if you booked with the right card.

๐Ÿ”ง

When things break or stores say no

Many cards extend manufacturer warranties by 12 months and refund purchases up to $300+ when the store won't take a return. Most cardholders never file these claims.

๐Ÿ’ผ

Government programs you may qualify for

SNAP, LIHEAP, Lifeline, EITC, Medicare Savings, state property tax relief โ€” federal and state programs with eligibility you can check by ZIP and income.

๐Ÿ›’

Membership perks you don't use

Costco, Amazon Prime, AAA, warehouse club perks โ€” memberships you already pay for often include fuel discounts, free services, and partner benefits you forget exist.

Ready to check what you may qualify for?

Takes about 60 seconds. Free to try. No account numbers required.

Find My Benefits โ€” Free

The weekly benefits-you-missed digest

Each week: benefits we've newly surfaced, credits about to expire, and claims worth filing before deadlines.

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