---
title: "Your access to the US financial system, from abroad"
description: "US bank accounts, US credit cards and a US credit history for companies and individuals based outside the US."
url: "https://benefitsystems.io/en/"
source: "aus dem gebauten HTML abgeleitet"
---
# Turn your business spending into business class flights nights in a Maldives villa interest-free financing a US credit history your next family holiday

## What Benefit Systems does for you

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

## Verified track record

Transparency instead of marketing promises. Fully documented bookings from the operating archive of Benefit Systems.

## Documented travel classes & destinations

### Singapore Airlines Business Class

CPH → SIN

Copenhagen → Singapore · SQ351 · Business · 12:00 → 07:30 · $568.50 per person

- **Paid in cash:** $1,137
- **Miles:** 96,000
- **Cents per mile:** 5.86¢
- **Savings:** 83%

### Park Hyatt Maldives

Park Hyatt Maldives

Hadahaa, Maldives · $146.67 per person per night

- **Paid in cash:** $2,640
- **Points:** 315,000
- **Cents per point:** 6.06¢
- **Savings:** 86%

## My personal record, year by year

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.

## From the knowledge base

Over 200 articles in German and English, every number backed by a source.

Points and miles · Valuation

### What is a point actually worth, and how do you work it out yourself?

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

### What can I book with a free night certificate before it expires?

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

### ITIN or SSN: which number do I need for a US credit card?

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.