Place this formula in R33:

=IF(H12="","",$H$36/H12)

copied down

This is essentially taking the H36 value and dividing by each value in H12:H25 just as this part of my formula is doing: H36/(H$12:H$25+1E-99) only that I added the +1E-99 to avoid the #Div/0 error where blanks occur in H12:H25.

Now in I36, if you replace the existing formula with: =SUMPRODUCT(--($B$12:$B$25=$B36),R33:R46) where now the R33:R46 is being summed you get the same result... notice in the corresponding values to your B36 (AmexTravel) are in R35:R41.... so the sum seems correct for the logic...