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How do you keep track of your reward cards?

Super Contributor

How do you keep track of your reward cards?

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.  

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 1 of 26
25 REPLIES
New Contributor

Re: How do you keep track of your reward cards?

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! 

Message 2 of 26
Frequent Contributor

Re: How do you keep track of your reward cards?

I'm trying to keep my wallet simple so that it isn't so much work.
I use a day planner as well that I use for every day life, so I can always look back and see if anything jogs my memory.
Starting Score: TU 631 - EX 641 - EQ 669
Current Score: TU 647 - EX 659 - EQ 677 (f9)
Goal Score: 750


Take the myFICO Fitness Challenge
Message 3 of 26
Established Contributor

Re: How do you keep track of your reward cards?

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.

Personal Cards:



Business Cards:

Started my journey in the high 500's 10/1/2016
Current Fico: EQ:720 | TU:742 | EX:761
Message 4 of 26
Established Member

Re: How do you keep track of your reward cards?

Also following soccerdad's approach, as I want to experiment with AZEO to learn how that method impacts my scores.

Feb 2019: EQ 693, EX 687, TU 690 (550's Mar 2017)
Unsecured: Cap1 QS $3,801, Disco CB $7k, Amex Gold Delta $10k
Secured: Disco $800
AAoA 7.8 years
Message 5 of 26
Super Contributor

Re: How do you keep track of your reward 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. 

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 6 of 26
Super Contributor

Re: How do you keep track of your reward cards?


@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?

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 7 of 26
Mega Contributor

Re: How do you keep track of your reward cards?


@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?


At a guess, minimum spend requirement (requirement!)

Message 8 of 26
Valued Contributor

Re: How do you keep track of your reward cards?


@red259 wrote:

@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. 

 

 

😂😂😂😂Yes we do


NFCU PLAT 20K NFCU CR 15K NFCU AMEX 10K PENFED PROMISE 10K PENFED GOLD 10K BBVA COMPASS 7.5K CITI SIMPLICITY 4.3K DISCOVER 2.4K AMEX BC 3K AMEX MAGNET 1K AMEX ED 1K AMEX HILTON 1K. CARECREDIT 25K AMAZON 10K WALMART 10K MACYS 20.5K WAYFAIR 22.5K MARVEL 1.5K AU LOWES 30K IKEA 6K
Message 9 of 26
Established Contributor

Re: How do you keep track of your reward cards?


@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. 

Personal Cards:



Business Cards:

Started my journey in the high 500's 10/1/2016
Current Fico: EQ:720 | TU:742 | EX:761
Message 10 of 26