Benefit Systems turns your spending into an individual strategy, chooses the right US bank accounts and US credit cards with you, and along the way you build a US credit history and earn miles and points.
Florian Hartl
Founder of Benefit Systems
Transparency instead of marketing promises. Fully documented bookings from the operating archive of Benefit Systems.
CPH → SIN
Copenhagen → Singapore · SQ351 · Business · 12:00 → 07:30 · $568.50 per person
Park Hyatt Maldives
Hadahaa, Maldives · $146.67 per person per night
2026 is a booking year still in progress.
| Year | Volume | Finances (USD) | Savings | Cents per mile / hotel point | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Flights | Nights | Paid | Airline miles | Points | Value | Total | Flights | Hotels | Flights | Hotels | Total | |
| 2026 | 73 | 45 | $4,215.71 | 360,049 | 429,498 | $30,665.71 | 86.3% | 75.1% | 98.0% | 3.27¢ | 2.66¢ | 3.11¢ |
| 2025 | 57 | 60 | $10,167.14 | 397,140 | 787,828 | $68,556.23 | 85.2% | 83.4% | 86.9% | 7.18¢ | 3.81¢ | 4.95¢ |
| 2024 | 19 | 16 | $1,723.21 | 144,000 | 81,500 | $10,403.56 | 83.4% | 83.1% | 84.6% | 4.67¢ | 2.40¢ | 3.85¢ |
| 2023 | 18 | 28 | $4,729.69 | 225,014 | 122,500 | $23,104.97 | 79.5% | 82.4% | 54.3% | 7.60¢ | 1.05¢ | 5.29¢ |
| Total | 167 | 149 | $20,835.75 | 1,126,203 | 1,421,326 | $132,730.47 | 84.3% | 81.5% | 88.5% | 5.69¢ | 3.36¢ | 4.39¢ |
Source: own booking dashboard, retrieved on September 28, 2026.
Currency: USD ($). All values from our own booking archive.
Over 200 articles in German and English, every number backed by a source.
Points and miles · Valuation
The value of a point comes from one redemption, not from a published rate. The three inputs, the two ways the calculation is rigged, and the threshold that turns it into a decision.
Points and miles · Hotels
Where free nights come from, which caps they carry, why they get used before any points balance, how to value them, and when they simply expire.
US accounts · Identity
What separates a Social Security number from an ITIN, which one a card issuer accepts, and why neither number creates a US credit file on its own.
