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How do you keep track of your reward cards?

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Valued Contributor

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

I keep it all in my memory.  

More cards than I can mention in a signature.
Message 21 of 26
Valued Contributor

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

I pray never to make things so complicated that I need a “system.” I have 6 cards and I want to trim down in order to make things simpler. If having tons of cards and an involved system of spending works for you, though, more power to you! 

Amex BCE: 18k
Discover It: 17.2k
Citi DC: 4.7k
BBVA Compass ClearPoints: 4k
US Bank Cash +: 1k
Capital One SavorOne: 1k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 22 of 26
Valued Member

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

I spent a day and created excel sheet, with comparison of all benefits. I went through every card’s guide and compared thir travel insurance, auto rental, limits, conditions, foreign fee, all of what i might use.
Purchase protection is pretty standard on most cards, 120 days.
The clear winner was costco citi, which has even better travel insurances than a marriott visa, that is a paid travel card.
Message 23 of 26
Valued Contributor

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

I keep my cards uncomplicated and try to have a use for each one. 

 

- Disco has my groceries right now for 5% but that spend will normally go to BBVA at 3%

- PayPal Business Debit funded by PayPal Cashback MC = 3% back on everything

- PayPal Cashback for 2% on larger purchases that I want standard credit card protections on

- NFCU cashRewards for Member Deals perks that go beyond 3% cash back



Scores 1/2019:
Scores 4/2019:

Hover over my cards to see my limits!
Goal: Garden... and garden... and garden.
Message 24 of 26
Established Contributor

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

I’d advise against keeping rewards dormant with credit card issuers. Redeem as fast as you can and have it sit in a savings account.
BK Discharged 9/11

Cap1 Quiksilver Visa Signature $41k| Discover IT $24k| Barclays Uber VISA $16.2k|BOA Cash Rewards $8.4k| BOA BBR $6k|AMEX Cash Magnet $12.8k|AMEX BCP $16.6k|Huntington Voice $5.5k|Citi Double Cash $5.7k| US Bank Cash+ $6.5k
Message 25 of 26
Senior Contributor

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

ABCCD

Amex
Barclays
Chase
Citi
Disco
Major spend: CSR, BBP, Costco
Rewards/AAoA ballast: CF, CFU, Discover, ED, BCE, Arrival, DoubleCash
Perks: Schwab Platinum, IHG49, Hyatt75
Bonus chasing: Aviator Red, SPG Luxury, Savor
Message 26 of 26