credit card rewards, perks, etc. comparison spreadsheet

[crickettoo]

Hi,

I find it difficult to keep up with various credit cards rewards categories, perks (extended warranties, etc), cash back, etc. I remember that someone had made a spreadsheet in Excel or Google Sheets to compare cards.  Does anyone else remember seeing this post?  Or, does anyone have a spreadsheet or other system to keep track of multiple credit cards to maximize benefits?

[Hoben02]

Take a look at the CardPointers app

[crickettoo]

Thanks so much.  I will check out that app. 

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@Hoben02 wrote:

Take a look at the CardPointers app

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[Kforce]

Probably best to make your own.

No two people have the same needs and there are dozens of attributes to consider.

You might only need to look at a few or want to compare a lot.

I might want a card with auto monthly rewards that covers 5 categories and you might be looking for a master card with no FTF and 5% rewards in grocery spend.

Some categories to consider for your project   

FTF
AF
BT Fee
Yearly BT Offers
Savings or checking account required, if so how much.
Monthly deposits or transfers, if so how much and many
How are rewards returned, cash, points, miles, statement, etc
Is there a minimum threshold, how much.
Is money returned in chunks, size.
How often are rewards posted
How often can you get rewards
Is redemption automatic or your choice
Rewards dumped to savings, checking, statement credit, out side checking ?
Are there spend or reward caps, how much
How many reward categories
Are CC product changes allowed
Is a free score available, which version, how often up dated
Are push payments allowed
How many accounts can be linked for payment
How soon are payments credited
What is the APR range
What network is the card on
Cash advance fees
Cash advance APR
What level of credit health is required to apply
Is the issuer sensitive to inq’s
What CL’s does the issuer usually give.
What is the high CL line
Are CL increases SP or HP

And many more that I did not think about.

[Anonymous]

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@Kforce wrote:

Probably best to make your own.

No two people have the same needs and there are dozens of attributes to consider.

You might only need to look at a few or want to compare a lot.

I might want a card with auto monthly rewards that covers 5 categories and you might be looking for a master card with no FTF and 5% rewards in grocery spend.

Some categories to consider for your project   

FTF
AF
BT Fee
Yearly BT Offers
Savings or checking account required, if so how much.
Monthly deposits or transfers, if so how much and many
How are rewards returned, cash, points, miles, statement, etc
Is there a minimum threshold, how much.
Is money returned in chunks, size.
How often are rewards posted
How often can you get rewards
Is redemption automatic or your choice
Rewards dumped to savings, checking, statement credit, out side checking ?
Are there spend or reward caps, how much
How many reward categories
Are CC product changes allowed
Is a free score available, which version, how often up dated
Are push payments allowed
How many accounts can be linked for payment
How soon are payments credited
What is the APR range
What network is the card on
Cash advance fees
Cash advance APR
What level of credit health is required to apply
Is the issuer sensitive to inq’s
What CL’s does the issuer usually give.
What is the high CL line
Are CL increases SP or HP

And many more that I did not think about.

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 I am a little in shock.   Right at the bottom of your list:

Are CL increases SP or HP

If you want to  keep your MF creds, you should know that this is in the top three, along with High Starting Limit and Is it Metal!!!!!

[butterpecan]

Cardpointers app is decent.

https://play.google.com/store/apps/details?id=com.cardpointers.app

[crickettoo]

Thanks so much.  I'll check into that app. 

[crickettoo]

Hi,

Thanks for your response.  I probably do need to make my own spreadsheet.  There are so many other perks to consider, like cell phone repair coverage, etc., as all of the items you provided.  

[Kforce]

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@Anonymous wrote:

If you want to  keep your MF creds, you should know that this is in the top three, along with High Starting Limit and Is it Metal!!!!!

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They took away my creds years ago, I just sneak in the back

You are correct, I forgot the Metal.   

And after you have all those cards and a spread sheet to help you.

Do you buy that $500 phone with the 1% cash back MC that has 3 years insurance or with Card B that has no insurance but gives 5% cash back and extra $20 this quarter for $100 spend ?  

Putting all my spend except grocery on one card means I can build spread sheets for others  

[Anonymous]

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@Kforce wrote:

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And after you have all those cards and a spread sheet to help you.

Do you buy that $500 phone with the 1% cash back MC that has 3 years insurance or with Card B that has no insurance but gives 5% cash back and extra $20 this quarter for $100 spend ?  

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There you go again!  $500 phone???? What is this, the 1980s?   A non-flagship phone is like a credit card that isn't a WEMC/VI, might as well have a big flashing "LOSER" sign on it.

ETA:

Not that there is anything wrong with being a loser of course.  It just means, well, that you lost.