How do I track my credit card benefits?

Track credit card benefits by: 1) listing all benefits and their values for each card, 2) recording when you redeem each benefit, 3) setting calendar reminders before credits expire (monthly, quarterly, or annual), 4) calculating total value vs annual fee to determine ROI. Benefit tracking apps like kardfolio can automate this process.

How do I know if my credit card annual fee is worth it?

Calculate your card ROI: add up the value of benefits you actually use (credits redeemed, lounge visits, insurance claims, points earned) and compare to the annual fee. If total value exceeds the fee, the card is worth keeping. Aim for at least 1.5x the annual fee to account for opportunity cost. Tools like kardfolio automate this calculation.

What happens to unused credit card benefits?

Unused credit card benefits expire and cannot be recovered. Monthly credits (like Uber Cash) reset on the 1st. Quarterly credits reset every 3 months. Annual credits expire on your cardmember anniversary or calendar year end. The average premium cardholder loses $200-400 annually in unused benefits.

Is there a credit card tracker that works without bank login?

Yes, privacy-first credit card trackers exist that work without bank connections. These apps let you manually track benefits without sharing login credentials or giving third-party access to your accounts. kardfolio is one example that tracks benefits, sends expiration alerts, and calculates ROI without requiring Plaid or bank logins.

What are the best credit cards to track?

Premium cards with the most benefits to track include: Amex Platinum (40+ benefits, $695/yr), Chase Sapphire Reserve (travel credit, lounges, $550/yr), Amex Gold (dining credits, $250/yr), and Citi Strata Elite ($595/yr). Cards with monthly or quarterly credits benefit most from tracking since unused credits expire frequently.

kardfolio

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For Credit Card Enthusiasts

Stop losing money on unused credits

Track benefits across all your cards without sharing bank credentials. Get alerts before credits expire. See your actual ROI—all while keeping your financial data private.

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Built for serious optimizers

Everything you need to maximize the value of your card portfolio

Privacy First

No bank connections or logins required. You simply tell us which cards you have.

Benefits Hub

All your unused benefits in one place. No more digging through card websites.

Smart Alerts

Know when credits are about to expire. Never leave money on the table again.

True ROI

Benefits used minus annual fees. Finally know if your card is worth keeping.

New Feature

Your actionable Task Hub

One glance shows your monthly progress, urgent deadlines, and exactly what needs attention. No more scattered spreadsheets or forgotten credits.

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$0 captured · $285 remaining

Your actionable benefit dashboard

Monthly Progress

See exactly how much value you've captured vs. what's still available

Urgent Alerts

Never miss expiring benefits with at-a-glance warnings

All Caught Up

Satisfying confirmation when you've captured everything

*Task Hub also tracks quarterly benefits, annual fee renewals, and active card offers—all in one unified view.

Your privacy matters

Most credit card tools require bank connections through services like Plaid. We take a fundamentally different approach.

Other tools

Require bank login credentials
Access all your transaction history
Share data with third-party aggregators
Store sensitive financial credentials

kardfolio

No bank logins — ever
No access to your transactions
No Plaid, no third-party data sharing
You control your data — delete anytime

Simply add your cards manually — we track benefits, not your spending.

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Three simple steps to start saving

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Pick from our database or add custom cards

Track benefits

See what's available and mark credits as used

Maximize value

Never miss a credit or overpay on fees

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Unlike other tools, we never ask for bank logins. No Plaid. No credentials. Just you and your cards.