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Credit Card Tracker
Are you interested in traveling the world for free (or at least, almost free)? If so, there's a good chance you have explored travel rewards credit cards.
There is a wealth of information about travel rewards credit cards on the internet. Sites like thepointsguy.com and reddit.com/r/churning are amazing resources. These are the places I visited when beginning my travel rewards journey.
Months passed and I began applying to cards. It began with personal cards, but I quickly expanded to business cards as well. Before I knew it, I had a small stash of plastic and I found it hard to remember which card offered the best bonuses on a given category.
Also, exactly when was my minimum spending requirement due? Was my bonus available for the Chase Sapphire Reserve yet? When can I get my next card and which one should it be?
I needed organization!
I'll Do It Myself
There are plenty of credit card trackers around, but most focus on one or two ideas.
They might have a simple list of cards and their approval dates, or a database of major cards with bonuses and annual fees.
But I wanted more. So, I built it! I present, the Credit Card Tracker.
The first order of business is keeping track of current and future cards. This is accomplished by copying the card from the "library" and inserting it into the "current cards" section. The sheet comes pre-loaded with my cards to give you an idea of what I track.
Credit Score Considerations
How Much Will This Cost Me?
I'll Make Him an Offer He Can't Refuse
This section is potentially the most important of the sheet.
It includes all of the bonuses, minimum spend requirements, and value estimations for each of the cards.
Now you might be asking - how can you determine a raw value for each card? Four methods are included in the Card Tracker.
All of the point value determination methods should be changed in the tab called "Points Methods."
Another feature in this section is the "Bonus" flag. Here you can change which bonus-giving cards you have in your wallet. For example, holding the Chase Sapphire Reserve card gives 50% to travel redemptions.
This will only change the card value if "Travel" has been chosen for the point-value determination.
But I Like Icons in my Spreadsheet
The last section lists each of the major bonuses offered by the card, both in a text version and a column version grouped by bonus.
Icons identify each category. Here are the ones represented:
A Value Proposition
The true value of this spreadsheet is in the sorting options of the "Card Library" section. After you choose your value determination method, you can sort the library by the highest dollar value.
If you are looking for a specific card to fill out your spending bonuses, you can filter by the highest cents per point (ccp) in any given category.
Even though the spreadsheet is a snapshot in time, bonus categories, annual fees, and all other sections can be modified at will.
The Credit Card Tracker has been in production for around six months, and I am proud to finally release it to the world! If you would like to check it out, please visit my shop for more information.
What else would you like to keep track of in a credit card tracker? Do you agree with the valuations? What's your favorite travel card on (or not on) this list? Let me know in the comments below!
Before you go...
If these articles give you value, here are a few ways you can help out at no additional cost to you.