Benefits Tracker: Track Every Credit Card Credit Before It Expires

Premium cards pay you back in pieces

A premium card's annual fee is charged once. Its credits come back in pieces: $15 this month, $100 this quarter, $300 this half-year, each on its own clock and each gone forever if you miss the window.

The Amex Platinum alone has twelve dollar credits on five different reset schedules. The Chase Sapphire Reserve has nineteen. Hold two or three premium cards and you're juggling dozens of small deadlines, which is exactly how hundreds of dollars a year go unused.

The Benefits Tracker keeps every credit for every card in one place. Add a card and its credits load automatically, each with the right reset cycle. Log what you've used, sort by what's expiring soonest, and see at a glance how much value is left on the table this year.

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How to use the Benefits Tracker

1. Sign in and add a card. Click Add New Card and pick your card. Its recurring credits load automatically from AwardHack's benefits database.

2. Add the card's open date. Credits that reset on your card anniversary (like an annual travel credit) or every four years (like Global Entry) need it. If a date is missing, the credit shows an Add Date button.

3. Log what you use. Enter the amount used for the current period on each credit, or use Mark used for whole year for credits you've fully used. Step back to earlier periods to fill in past months. Click Save Now in the banner that appears when you have changes.

4. Sort by what matters. Expiring Soon puts the credits closest to resetting at the top. Highest Amount puts the biggest credits first. Switch between individual cards or view All Cards at once.

5. Untrack what you'll never use. If you'll never use a credit, use Untrack benefit from its menu. It drops out of your totals, so your numbers reflect only the credits you care about. Resume tracking brings it back.

6. Watch the summary. The tiles at the top show Total Benefits Value, Remaining to Use, Unused Benefits and the remaining value for the card you've selected.

Tip: Do a two-minute check on the first of every month. Monthly credits are the ones that slip, and they reset on the 1st.

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What's in the benefits database

AwardHack's benefits database covers more than 60 cards and over 300 individual benefits, about 260 of them with a dollar value. The rest are perks like elite status or free night certificates that you track as used or unused.

The credits reset on six different schedules:

The tracker labels each period the way you'd think about it: the month ("Oct 2026"), the quarter ("Q4 2026"), the half ("H2 2026"), or your anniversary year ("Anniv 2026-2027").

The four-year credits are almost all Global Entry or TSA PreCheck: 27 cards in the database include one. They're easy to forget because you only use them twice a decade.

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Two premium cards, credit by credit

Here's how the credits on the two most popular premium cards break down by cycle in the tracker.

Amex Platinum ($895 annual fee)

That's $2,994 a year at full use. Notice that $755 of it comes in monthly slices. Skip four months of everything and you've lost about $250.

Chase Sapphire Reserve ($795 annual fee)

That's $2,664 a year. The tracker also lists the perks that need $75,000 in annual spending and Chase's one-time 10th-anniversary offers for 2026, so you can track those too. Two recent changes are already reflected: the DoorDash restaurant credit rose from $5 to $15 a month on October 1, 2026, and Chase dropped the January to June and July to December split on The Edit credits, so both $250 credits can now be used any time in the year.

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Why small credits add up

It's tempting to ignore a $10 credit. But across a wallet, monthly credits are where most of the value hides. The 51 monthly benefits in the database range from $5 to $25 a month, and the most common amount is $10. Three cards with three monthly credits each is nine small deadlines every month, more than 100 a year.

A few habits help:

• Put monthly credits on autopilot. Link streaming, Walmart+ or Uber One subscriptions to the card that credits them, so they're used without thinking.
• Plan semi-annual credits early. A $300 hotel credit that resets in June is easier to use in March than in the last week of the period.
• Use Expiring Soon sorting weekly. It's the fastest way to see what's about to disappear.
• Untrack honestly. If you'll never buy lululemon, untrack it. Your totals become a real picture of what the card is worth to you.

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Using your history to decide whether to keep a card

At the end of the year, the tracker shows exactly how much of each card's credits you used. That's the most honest input you'll ever have for a keep-or-cancel decision.

Take your actual used total for the year into the Card Value Calculator and compare it to the renewal fee. If you used $1,200 of a card's credits against an $895 fee, it's paying for itself. If you used $400, it's time to ask for a retention offer or downgrade.

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Free vs Pro

The free plan tracks benefits for two cards. If you add more, the extra cards appear locked, and the summary shows how much value is hiding on them. Pro unlocks unlimited cards.

Benefits are tracked per profile, so if you manage cards for a partner or family member, each profile keeps its own cards and its own usage.

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Frequently asked questions

How do I keep track of credit card credits?

Add each card to the Benefits Tracker. Its credits load automatically with the right reset cycle. Log what you use each period and sort by Expiring Soon to see which credits are about to reset.

Which cards does the Benefits Tracker support?

More than 60 cards have their credits preloaded, including the Amex Platinum, Amex Gold, Chase Sapphire Reserve, Chase Sapphire Preferred, Capital One Venture X, Citi Strata Elite and popular airline and hotel cards.

When do credit card credits reset?

It depends on the credit. Monthly credits reset on the 1st, quarterly credits in January, April, July and October, semi-annual credits in January and July, and annual credits on January 1. Some annual credits reset on your card anniversary instead, which is why the tracker asks for your card's open date.

Do unused credit card credits roll over?

Generally no. Most statement credits are use-it-or-lose-it for each period, which is why tracking them matters.

Is the Benefits Tracker free?

Yes, for up to two cards. Pro removes the limit so you can track every card in your wallet.

Can I stop tracking a credit I don't use?

Yes. Use Untrack benefit from the credit's menu. It's removed from your totals and summaries, and you can resume tracking it any time.

How much are the Amex Platinum credits worth?

At full use, the tracker counts $2,994 a year in Amex Platinum credits, against an $895 annual fee. About $755 of that comes as monthly credits, which are the easiest to miss.

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The bottom line

A premium card is only worth its fee if you collect what it gives back. Add your cards, set their open dates, and spend two minutes on the first of each month logging what you've used. At renewal time, you'll know exactly what each card was worth to you, down to the dollar.