Tracking My Credit Card Credits
It’s almost a full-time job to keep track of all of the credits on my myriad credit cards! But since I have multiple, expensive credit cards, it’s worth my time to make sure I utilize as many of the credits as possible.
It was shocking to see all of the credits I have to keep track of! Here are the cards, the Annual Fees, and a list of the credits:
Amex Platinum: 3 @ $895 (will likely cancel one- keep my Schwab & keep one for spouse): Resy, Uber, FHR, Lululemon, Airline Incidentals: $200
Amex Gold: 1@ $325: Resy, Dining=GrubHub, Uber, Dunkin
Amex Biz Platinum: 2 @ $895 (but plan to cancel both): FHR, Hilton, Dell, Cell Phone ($10), Airline Incidentals: $200, ChatGPT
CSR: 2 @ $795: Lyft, Dining, Edit, StubHub, $300 Travel Credit
Bilt: 1 @ $495: Hotel, GrubHub, Walgreens, Lyft
Aspire: 2 @ $550: FNC, Airline $50/Quarterly, Semi-Annual Resort Credit
Brilliant: $650: $25/month dining, annual FNC
United Biz 2 @ $150 : Rideshare; 2X Club Passes
United Explorer 1 @ $150: 2X Club Passes
IHG Select 1 @ $49: Annual FNC
IHG Premier: 1 @ $99: Annual FNC
IHG Business: 1 @ $99: Annual FNC
Surpass: 3x @ $150: Quarterly Hilton Credit $50
Chase (many cards): Instacart monthly credits
Summarized based on Frequency:
Monthly: Uber (Amex Plat & Gold), Dining (Amex Gold: Grubhub), Dunkin (Amex Gold), Brilliant Dining, Lyft (CSR & Bilt), Walgreens (Bilt), Grubhub (Bilt), Instacart (Chase), Cell Phone (Amex Business), United Business Rideshare
Quarterly: Hilton (Surpass & Amex Business), Resy (Amex Gold & Platinum), Lululemon (Amex Platinum), Aspire Airline
Semi-Annual: FHR/Hotel Collection (Amex Platinum), Aspire Resort Credit, CSR Dining, CSR StubHub, Bilt Hotel
Annual: Edit (CSR), Personal & Business Platinum Airline $200, Dell (Business Platinum)
Cardmember Year: CSR Travel Credit, IHG FNCs, Aspire FNCs, Brilliant FNC, United Club Passes
Previously, I had an Excel Workbook with multiple Worksheets tracking Dining and Travel credits. I was also using a to-do application (TickTick) to track the other credits. So everything was covered.
But I decided to do some minor re-organization and use TickTick for all of the Monthly credits, and use 3 Worksheets to track Dining, Travel, and Miscellaneous Other credits (like Dell, United Club Passes, StubHub).
Here are the columns in my Dining Worksheet:
Here are the columns in my Travel Worksheet:
Finally, here are the columns in my Miscellaneous Credits Worksheet:
I think this slightly modified approach will help!
Frequent Miler has their own version of this here, and Thrifty Traveler has one here. I’m a bit of a spreadsheet nerd, so I just started from scratch, but that’s a pretty good starting point, too. If you are interested in getting a copy of my Workbook, just let me know.
