Credit Card Benefits Reminder
Premium cards come with dozens of credits and perks — Uber credits, streaming credits, airline credits, hotel credits — that expire if you don't use them. This tracker shows you every benefit across all your cards and when each one resets.
The hidden cost of forgetting
The average premium cardholder leaves $200-$500 per year in unused benefits on the table. That's money you're already paying for through annual fees. Tracking your benefits is the simplest way to ensure your premium card pays for itself.
Frequently Asked Questions
What credit card benefits do people commonly forget to use?
The most commonly missed benefits include: monthly Uber/rideshare credits (Amex Platinum, Capital One Venture X), monthly streaming credits (Amex Gold, Chase Sapphire Reserve), airline incidental credits that reset annually, Global Entry/TSA PreCheck credits (every 4-5 years), and hotel status benefits that expire at year-end. Studies show cardholders leave $200-$500+ in unused perks on the table each year.
How does the benefits reminder work?
Add your credit cards and we'll show you a timeline of all available benefits — organized by monthly, quarterly, and annual reset schedules. You can check off benefits as you use them, and the tracker shows you the dollar value of perks you've claimed versus what's still available. No account linking required — everything stays in your browser.
Which cards have the most benefits to track?
Premium cards like the Amex Platinum ($695/yr) have 10+ distinct benefits including $200 airline credit, $200 Uber credit, $240 digital entertainment credit, $200 hotel credit, $189 CLEAR credit, $100 Saks credit, and more. The Chase Sapphire Reserve ($550/yr) has $300 travel credit, DoorDash credits, and lounge access. Even mid-tier cards often have 2-3 credits worth tracking.
Do credit card benefits reset monthly or annually?
It varies by benefit and issuer. Some credits reset monthly (Amex Platinum's $15 Uber credit, Amex Gold's $10 dining credit), some are annual (Chase Sapphire Reserve's $300 travel credit, Amex Platinum's $200 airline incidental credit), and some are one-time (Global Entry credit every 4 years). Our tracker shows the exact reset schedule for each benefit.
Can unused credits be carried over to the next month or year?
In most cases, no. Monthly credits like the Amex Platinum's $15 Uber credit expire at the end of each month — use it or lose it. Annual credits typically expire on your card anniversary date, not December 31. A few exceptions exist: some hotel elite night credits can carry over, and some airline credits are calendar-year based. Check each benefit's specific terms.