The silent tax

Your rewards have a shelf life nobody tells you about.

Every loyalty program has expiration rules. Some give you 18 months. Some give you 24. Your premium card has up to $700+ in annual credits that reset on different dates. This is by design.

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Right Now

This is what a typical portfolio looks like. Ticking.

Four programs. Four different clocks. Four different rules. One person who has no idea any of this is happening.

Airline Miles

18 DAYS LEFT

47,000 miles

24 months of inactivity triggers expiration. No warning email. No grace period.

The fix: A $5 purchase through the airline shopping portal resets the entire 24-month clock. Five dollars. Ten seconds.

Premium Card Airline Credit

67 DAYS

$200 remaining (estimated)

Calendar year reset. This credit vanishes January 1 whether you use it or not. Already paid for via annual fee.

The fix: Buy a gift card from your preferred airline. Captures up to $200. Takes 2 minutes online.

Hotel Free Night Certificate

142 DAYS

Up to $500

Anniversary certificate. Valid 12 months. Doesn't roll over. Doesn't get refunded. Just disappears.

The fix: Book any eligible property before it expires. Even a placeholder booking you can change later.

Hotel Loyalty Points

340 DAYS

85,000 points

24-month activity window. Last stay was 2 months ago. Clock is healthy. For now.

No action needed. First Officer monitors this automatically and alerts you at 60 days.

In rewards have expired in the US since you opened this page

The Real Problem

Every program has different rules. None of them remind you.

Airline miles, hotel points, card credits, annual certificates. Each one expires on a different schedule. There's no unified calendar. There's no reminder. There's just a deadline you forgot.

Miles expire on invisible clocks.

One airline expires at 18 months of inactivity. Another at 24. A third never expires. Each program is different. Each one is a trap if you're not watching. And that's just the miles. Credits are worse.

Credits reset on staggered dates.

A premium card might include an airline credit (calendar year), a hotel credit (cardmember year), a rideshare credit ($15/month + extra in December), and a retail credit ($50 per half). Four credits, four different reset schedules, all from one card.

Certificates expire silently.

Many hotel cards include a free night certificate worth up to $500. Valid 12 months from your card anniversary. It doesn't roll over. It doesn't get refunded. It just disappears. You already paid for it in your annual fee.

A $5 purchase could save $940.

47,000 airline miles worth approximately $940 expire after 24 months of inactivity. One $5 purchase through the airline's shopping portal resets the clock entirely. Five dollars and ten seconds. But nobody sends that reminder. Until First Officer.

First Officer

online

Do any of my points expire soon?

Checking your portfolio now.

Alert: Your 32,000 airline miles haven't had activity in 16 months. They expire at 18 months of inactivity.

Quick fix: Make any purchase through the airline shopping portal. Even a $5 item resets the full 18-month clock.

Also: your premium card $200 airline credit has the balance remaining and resets January 1. Buy a gift card from your preferred airline before year-end to capture it.

11:42 AM

In Practice

Alerts before deadlines, not after.

We monitor every expiration date across your portfolio. Credits, miles, certificates, status qualifications. You get the alert with the fix. Before it's too late.

Expiration tracking

Every program, every credit, every certificate. All monitored.

Proactive alerts

"Your miles expire in 30 days. Here's the fix. Takes 5 minutes."

Credit reminders

Calendar year, cardmember year, monthly, quarterly. All tracked.

629+ programs

Program-specific rules, always current, always applied to YOUR portfolio.

Simulated conversation. Actual results vary by portfolio.

The Difference

Everyone else has a second agenda. We only have yours.

Points Blogs & Trackers

✗Earn $200-$400 per card signup they refer

✗Generic advice for generic readers

✗You do all the work after reading

✗Dashboard you open once, then forget

First Officer

✓Zero affiliate commissions. None.

✓Knows your specific cards and goals

✓Shows you your options and when to act

✓Ongoing advisor. Gets smarter over time.

Getting Started

4 Questions. Under 5 Minutes. That's It.

Tell us your cards

Which cards do you carry?

Share your spend

Roughly how much and where?

Name your programs

Airlines, hotels, any loyalty.

Set your goals

Where do you want to go?

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