Miles — features Miles is a credit card rewards assistant. It reads a person's own wallet — their cards, benefits, and point valuations — against current card and transfer-partner data, and answers from those numbers rather than from recall. This file is the plain-text rendering of https://askmiles.ai/features?utm_source=features&utm_medium=assistant: one entry per feature, each with its page URL, what it does, and questions that reach it. Generated from the same source the pages render from. ============================================================================== CARD CREDITS https://askmiles.ai/features/card-credits?utm_source=features&utm_medium=assistant Track card credits before they expire Track each statement credit's amount, period, and status. Each credit has its own schedule -------------------------------- Credits reset on different schedules: some monthly, some quarterly, some twice a year, some once a year. A semi-annual credit is two credits, not one: The Platinum Card from American Express carries a $300 Hotel Collection credit for January through June and another $300 for July through December, and the first half does not roll into the second. The card returns $600 a year only if you use both. Whatever is left expires when its period closes. Miles tracks every credit on the schedule set by its card's terms and shows which periods are still open, so a credit you have already paid for does not lapse unnoticed. What Miles records ------------------ Miles gets the amount, reset schedule, current-period end date, and days remaining from its maintained card data. You tell Miles the status for each card, credit, and period in chat or on the Credits page: used, partially used with the amount, or unused. A credit with no status stays distinct from an unused one, and Miles does not report it as lost. Miles cannot see transactions or connect to your bank. Tell Miles when you use a credit or confirm that it posted. A spending connector beside Miles in your AI can supply that information. Ask Miles: - "What credits do I have?" - "What statement credits do my cards offer?" - "How do I maximize the travel credits on my cards?" ============================================================================== CERTIFICATES https://askmiles.ai/features/free-nights?utm_source=features&utm_medium=assistant Track free nights and other card certificates Track free-night certificates, airline companion fares and awards, and lounge passes through expiration. Available, pending, or used --------------------------- Each certificate is available, pending, or used. One that requires a spending threshold stays pending until you confirm that you earned it: Miles cannot see your card spending and does not infer that a threshold was met. A spending connector beside Miles in your AI can supply that confirmation. When the posting date is uncertain, Miles shows an estimated expiration month. Issuers may post a certificate several weeks after the card anniversary that earns it. What Miles tracks ----------------- Miles tracks hotel free nights from cards such as World of Hyatt, Marriott Bonvoy, and IHG One Rewards. It also tracks airline companion fares and awards from Alaska, Delta, American, and JetBlue cards, plus countable lounge passes such as the AAdvantage Globe Mastercard's four annual Admirals Club passes. Each entry includes its status, remaining quantity, and estimated expiration. Values are estimates, not guaranteed savings. A points-based companion award uses your valuation for that program. A flat-fare certificate uses a conservative estimate. If Miles cannot estimate a certificate's value, it says so. For a bundle of lounge passes, Miles reports how many remain and marks the bundle used only when none remain. Booking stays with the provider ------------------------------- Miles tracks certificates and expiration dates, but it does not make bookings. Book a free night through the hotel, redeem a companion benefit with the airline, and present a lounge pass where the provider requires it. Ask Miles: - "What free night certificates do I have?" - "Which of my free night certificates are expiring soon?" - "Have I used my Hyatt free night award this year?" ============================================================================== POINT VALUATIONS https://askmiles.ai/features/valuations?utm_source=features&utm_medium=assistant Value points using your own numbers Set a value for each points currency and use it in every Miles calculation. Your valuations change the result --------------------------------- Points do not have a fixed value. The value of a World of Hyatt point, for example, depends on how you redeem it. Miles starts each major transferable currency, airline program, and hotel program at a suggested default. You can replace any default with your own value. Miles uses your valuations to compare cards, decide whether to keep or cancel a card, and rank transfer options. If you raise your Hyatt valuation, Hyatt redemptions and transfer paths receive a higher calculated return. Where the defaults come from ---------------------------- A point's value is a judgment, not a fact, so Miles does not present its defaults as the answer. Each one is a widely used published estimate that Miles carries in its dataset and revises when a program devalues or improves. The defaults are there so Miles can compute a result before you have priced a point yourself. Miles does not overwrite a valuation you set, and you can reset any program to the current default. Ask Miles: - "What are my point valuations?" - "How do I know what my points are actually worth? Show me the current valuations for my programs." - "Walk me through the valuations of the points I hold and how to set my own." ============================================================================== GIFT CARDS https://askmiles.ai/features/gift-cards?utm_source=features&utm_medium=assistant Track gift cards with your wallet Track gift cards and store credits alongside your credit cards. Use an existing balance first ----------------------------- Miles keeps gift cards and store credits in the same wallet as your credit cards. When you ask what to use at a merchant, Miles checks for an existing balance before comparing credit card rewards. Tell Miles, “I have a $50 Amazon gift card,” and it records the balance. When you later ask what to use at Amazon, Miles recommends the gift card before a credit card. What Miles tracks ----------------- Miles records the balance, merchant, and any note you add. It cannot read transactions or detect balance changes, so tell Miles when a balance changes. Ask Miles: - "What gift cards do I have?" - "I have a $50 Amazon gift card" - "Which gift card should I use at Amazon?" ============================================================================== CARD SNAPSHOT https://askmiles.ai/features/snapshot?utm_source=features&utm_medium=assistant Summarize your card wallet on one page Create a shareable summary of your cards, credits, perks, earning rates, and transfer partners. What the snapshot includes -------------------------- The snapshot lists each card credit and its reset schedule, notable perks, the best earning rate in each category, and available transfer partners. Miles builds it from card terms and current program data. It does not require transaction data. Generate a snapshot in chat or open the Card Snapshot page. After you change your wallet, generate it again to include the current cards. Share a read-only copy ---------------------- Ask Miles to share your snapshot and it creates a read-only page at a URL you can send. The shared page drops card nicknames, uses the default valuations, and shows nothing else from your account. Miles reuses the same URL when you share an updated snapshot. Anyone with the link sees the new version. Ask Miles: - "Generate my card snapshot" - "Give me an overview of my cards and what each is best for." - "What benefits on my cards am I probably not using?" ============================================================================== 5/24 AND ISSUER RULES https://askmiles.ai/features/application-rules?utm_source=features&utm_medium=assistant Are you eligible for your next card? Five recent-card rules checked against your cards: Chase 5/24, Wells Fargo 5/24, Barclays 6/24, Bank of America 3/12, US Bank 5/12. Compare five rules in one table ------------------------------- Chase's 5/24 rule declines most applications from someone who has opened five or more cards in the past 24 months. Four other issuers apply a rule with the same shape: Wells Fargo counts 5 cards in 24 months, Barclays 6 in 24, Bank of America 3 in 12, and US Bank 5 in 12. Each rule counts cards opened at every issuer, not only the issuer applying it. All five are computed from the same open dates. Miles checks all five against the cards you entered and shows where you stand under each rule on one screen. Add a card once and Miles recalculates every count. What the count leaves out ------------------------- The count is only as good as the cards and dates you entered. Miles names any card without an open date and links to add it. Business cards are excluded because most issuers do not report them to a personal credit report. The count states how many business cards it dropped. These rules are guidelines issuers apply, not published cutoffs. Approvals outside them happen. When a rule is binding, Miles shows its caveat: authorized-user cards count at Wells Fargo and cannot be removed on reconsideration, while at Chase they sometimes can. Bank of America's 3/12 may relax if you hold a deposit account there. Ask Miles: - "What's my 5/24 status? Am I under the limit?" - "Am I at any issuer's application limit right now?" - "Which of my cards count toward 5/24?" ============================================================================== NEXT CARD https://askmiles.ai/features/next-card?utm_source=features&utm_medium=assistant What card should you get next? Cards that add value to your current wallet, filtered by issuer application rules. Check eligibility first ----------------------- Issuer rules affect whether an application is likely to be approved. Miles checks rules such as Chase's 5/24 policy, Amex's once-per-lifetime bonus language, and limits on how often you can apply. It compares those rules with your card history before recommending a card. You can ask for your 5/24 status or ask what card to get next. Miles checks eligibility in either case. Clearing a rule is not an approval: the issuer decides, and you apply with the issuer. Add what your wallet is missing ------------------------------- Miles looks for gaps in your current wallet: a spending category that earns 1x, a transfer partner you cannot reach, or a credit you would use. It compares the cards that fill those gaps, then weighs their current sign-up offers. Ask Miles: - "Based on my wallet, what card should I get next?" - "Am I eligible for more Chase cards?" - "What's my 5/24 status? Am I under the limit?" ============================================================================== KEEP OR CANCEL https://askmiles.ai/features/keep-or-cancel?utm_source=features&utm_medium=assistant Should you keep, downgrade, or cancel? The value you receive from a card compared with its annual fee, including the option to downgrade. Count only the value a card adds -------------------------------- A benefit matters only when it adds value beyond the rest of your wallet. A second lounge membership may add little. A travel credit is worth its full amount only if you would have made the purchase without it. Miles accounts for overlapping perks, overlapping bonus categories, and the credits you use. The result shows the card's value at your valuations, subtracts its annual fee, and recommends whether to keep, downgrade, or cancel. Consider the downgrade options ------------------------------ Many premium cards can be changed to a no-annual-fee card in the same family, preserving the account history and credit line. Miles includes available product changes when it compares keeping the card with canceling it. You make the change with the issuer. Ask Miles: - "Is the Sapphire Reserve worth keeping?" - "Should I keep or cancel my Amex Platinum?" - "What are my product change options for my Sapphire Reserve?" ============================================================================== TRANSFERS https://askmiles.ai/features/transfers?utm_source=features&utm_medium=assistant Where should you transfer your points? Transfer options compared by ratio, current bonuses, and your valuations. Compare every available path ---------------------------- Each transferable currency has its own partners and transfer ratios. Some ratios depend on the card you hold, including transfers from Chase to Hyatt. Miles keeps those conditions with the transfer data. For a specific award, Miles compares what each currency in your wallet delivers after transfer ratios and bonuses, using your valuations. Include current transfer bonuses -------------------------------- Transfer bonuses start and expire on each program's schedule. Miles applies active bonuses when it compares paths, so the ranking reflects a bonus for as long as it runs. Miles does not move your points. It shows the math and marks the paths listed as instant; you complete the transfer with the points program. Transfers are one-way. Ask Miles: - "I need 100k Flying Blue — which of my points should I transfer?" - "Are there any transfer bonuses available for my points right now?" - "What are the best transfer partners for my Chase points?" ============================================================================== WHICH CARD https://askmiles.ai/features/which-card?utm_source=features&utm_medium=assistant Which card should you use? The best card in your wallet for a purchase, based on category rules, network restrictions, and your valuations. Check every card for each purchase ---------------------------------- Miles compares each card's multiplier, quarterly and capped categories, and the value of its rewards at your valuations. It also checks whether the merchant accepts the card. The answer shows the calculation behind the recommendation. Merchant rules can vary by purchase channel. Costco warehouses accept Visa credit cards, while Costco.com also accepts Mastercard. Miles excludes cards that the merchant will not accept before comparing rewards. Use matching gift cards first ----------------------------- If you have a gift card for the merchant, Miles recommends using it before a credit card. The gift card balance has already been paid for, so earning more rewards is secondary. Ask Miles: - "Which of my cards should I use for dining?" - "Which of my cards should I use at Costco?" - "Which card should I use to pay rent?" ============================================================================== WEEKLY UPDATE https://askmiles.ai/features/weekly-update?utm_source=features&utm_medium=assistant What changed this week, and what to do about it Ask for a current summary of program changes, card data updates, transfer bonuses, and notable offers. Assembled when you ask ---------------------- Ask what changed and Miles assembles an update for the past seven days. You can choose any window up to ninety days. The result covers card changes, new transfer bonuses, and notable offers, using data current when you ask. The update uses the same maintained card data and reference library as other Miles answers. Ask about any item in your next message for the details. What counts as news ------------------- Miles checks four sources: recent points-and-miles articles, changes to its card dataset, active transfer bonuses, and notable sign-up offers. If a source is unavailable, the update says so and returns what the others have. Ask Miles: - "What's new this week?" - "What did I miss this week?" - "Give me the weekly update." ============================================================================== WHERE ANSWERS COME FROM https://askmiles.ai/features/how-miles-answers?utm_source=features&utm_medium=assistant How Miles finds an answer Miles checks its maintained card data, your wallet, its reference library, and, when needed, the open web. Four sources, in order ---------------------- Miles checks its maintained card data first. It covers fees, earning rates, credits, transfer ratios, elite tiers, and current sign-up bonuses. The data is checked daily, and changes reach answers within minutes. Miles then checks your wallet for the cards you hold, your point valuations, credits you have used, and benefits that are expiring. If information is missing, Miles asks instead of filling in the gap. Its reference library covers questions that structured card data cannot answer, such as how an award chart works, what changed after a devaluation, or whether a strategy still applies. This material informs the judgment in the answer. Miles uses the open web last. It is useful for time-sensitive facts that are not in the dataset or reference library, such as lounge hours or a new promotion. Miles searches the web when the library has no relevant result or when you request a specific source. Card data is current by default ------------------------------- You do not need to add “check the latest” or “search for current offers” to a question about card facts. Miles reads those from its maintained card data whatever the phrasing, so the request does not change where the answer comes from. Adding it would not help: for card facts the open web is the weakest source Miles has, and the dataset is already current. Fees, earning rates, credits, transfer ratios, and live sign-up bonuses are current by default. Ask for the card fact you need. When Miles searches the web --------------------------- Ask about information outside the dataset, such as opening hours, an event, or a recent announcement. Miles searches the web when its other sources do not contain the answer. You can also name a source. Miles can restrict a search to one publication and report what that source says. See which source Miles is checking ---------------------------------- While Miles works, the status line shows the current action: looking up a card, searching the reference library, or searching the web. When an answer requires several tools, the line cycles through them. Miles does not show its raw reasoning. That output can include internal tool and data-source names that do not belong on a public surface. The status line shows the source being checked without exposing those details. Ask Miles: - "Which of my cards has the highest annual fee?" - "Where should I move my points for a Hyatt stay?" - "Which of my cards get me into a Centurion Lounge?"