01 — Average left unclaimed
$1,340
Card credits, tracked to the day
Across a Platinum and a Gold, in a single year, on deadlines nobody is tracking.
Expiring soon
5 of 14 open
- Rideshare cashPlatinum$154 days
- Dining creditGold$109 days
- Digital entertainmentPlatinum$209 days
- Airline fee creditPlatinum$200Dec 31
- Resort creditAspire$200Jun 30
Monthly, quarterly and annual statement credits, held against their real deadlines.
The monthly ones do the most damage — $240 a year dying in twelve separate silent deadlines. We surface each one before it expires, not after.
02 — Value of breakfast alone
$620
Elite entitlements you are owed
Twelve nights of breakfast for two at properties where your tier entitles you to it.
On this stay
4 guaranteed · 2 discretionary
- Breakfast for twoGlobalist
- Guaranteed 4pm checkoutGlobalist
- Club lounge accessGlobalist
- Suite upgradeGlobalist
- Waived resort feeGlobalist
- Room of your choiceTitanium
Ticked items are contractual — a property declining one is in breach of the programme, and we give you the language to say so.
Breakfast, suite upgrades, guaranteed late checkout.
We separate what is contractual from what is discretionary, and give you the language for the front desk when a property declines something you are entitled to.
A property that declines your breakfast is not being difficult. It is counting on you not knowing the difference between a guarantee and a courtesy.
03 — What the counter waiver should cost you
$0
Coverage you already carry
Primary collision coverage you already carry, sold to you a second time at pickup.
Coverage
Sold to you
You carry
- Collision damage waiver$31/dayPrimary
- Trip delay over 6 hours$89/trip$500
- Baggage delay$45/trip$100/day
- Trip cancellation$124/trip$10,000
Declined at the counter, one week$217
Rental collision, trip delay, lost baggage, trip cancellation.
It lives in a benefits PDF nobody reads, so people buy it a second time at the rental counter and never file the claims they would win.
04 — Lounges open to you today
9
Lounges open to you today
At your home airport, with the cards and status already in your wallet.
JFK · open to you today
9 total
- Centurion LoungePlatinumTerminal 42 guests
- Delta Sky ClubDelta ReserveTerminal 4Paid guests
- Chase Sapphire LoungeSapphire ReserveTerminal 42 guests
- Air India MaharajaPriority PassTerminal 41 guest
- Primeclass LoungePriority PassTerminal 11 guest
Four more at Terminals 5, 7 and 8.
What you can walk into with the cards and status you already hold.
Including who you are allowed to bring, which is where most of the confusion actually sits.
Breakage is not a flaw in the product. It is the margin the annual fee is priced against.
05 — Per passenger, per delay
€600
Compensation when it goes wrong
The EU261 ceiling. Filing services take 25–35% of it; we flag it the moment it triggers.
EU261 · per passenger
Delay
Owed
- Under 1,500 km3 hrs +€250
- 1,500 – 3,500 km3 hrs +€400
- Over 3,500 km3 – 4 hrs€300
- Over 3,500 km4 hrs +€600
Paid regardless of what the ticket cost. Filing services keep 25–35% of it; Concierge files at no extra charge.
EU261, UK261 and the US DOT refund rule.
Filing services take 25–35% of what they recover. We flag eligibility the moment a delay crosses the threshold, and Concierge files on your behalf.