Just curious what methods people use to keep track of their reward cards. For example, excel, third party programs, just from memory? What information do you keep track of e.g. AF dates, payment due dates, benefits, year to date earnings, etc. Does anyone also keep track of miles in various loyalty programs in the same program? For me I just do stuff from memory. Really not the best way to do it and I probably burn too much time checking all each my accounts.
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I use a spreadsheet, it's the same I use for my general finance. It's handy as my wife has no clue what's going on, so if something happens to me she can see EVERYTHING. I put the promo APR end date, but that's about it.
However, I really don't track rewards as it's too much work IMO. I do make mental notes as to what bonus categories are running, or what cards to use depending on the type of spend. I also like to be surprised when I see the bonuses!
Spreadsheet also. I track date of account was open, closed, credit limit, credit increase, statement cut off date, msr requirement, sub if applicable, reward categories etc. I have to so I make sure I'm getting the most value when using my cards.
@arizonahd wrote:I use a spreadsheet, it's the same I use for my general finance. It's handy as my wife has no clue what's going on, so if something happens to me she can see EVERYTHING. I put the promo APR end date, but that's about it.
However, I really don't track rewards as it's too much work IMO. I do make mental notes as to what bonus categories are running, or what cards to use depending on the type of spend. I also like to be surprised when I see the bonuses!
Don't kid yourself. Women know a whole lot more about what is going on than they let on.
@sdsoccerdad wrote:Spreadsheet also. I track date of account was open, closed, credit limit, credit increase, statement cut off date, msr requirement, sub if applicable, reward categories etc. I have to so I make sure I'm getting the most value when using my cards.
This is probably obviously but I am drawing a blank. What is MSR requirement?
@red259 wrote:
@sdsoccerdad wrote:Spreadsheet also. I track date of account was open, closed, credit limit, credit increase, statement cut off date, msr requirement, sub if applicable, reward categories etc. I have to so I make sure I'm getting the most value when using my cards.
This is probably obviously but I am drawing a blank. What is MSR requirement?
Minimum spend requirement. Typically for when you are going for the sign up bonus you have to meet a minimum spend before earning the signup bonus.