Credit Card Credits Tracker

What are Credit Card Credits?

Premium credit cards come with annual credits and perks that can offset or exceed the annual fee. For example, the Amex Platinum offers $200 in airline fee credits, $240 in Uber credits, $300 in hotel credits, and more—totaling over $1,000 in potential value.

But credits only have value if you use them. A $200 airline credit is worth $0 if you never fly. A $300 hotel credit is worth $0 if you don't stay in hotels. That's why tracking credit utilization is crucial for maximizing card value.

Our credits tracker shows you all your credits, lets you adjust utilization rates, and calculates the real value of each card—so you know which cards are worth keeping and which to close.

Why Use Our Credits Tracker?

All Credits in One View

See every credit and perk across all your cards. Travel credits, dining credits, lounge access, and more—all organized by card.

Utilization Tracking

Adjust utilization rates for each credit based on how much you actually use it. See the real value of each card.

Card Value Calculation

Calculate first-year and second-year value for each card: SUB + credits - annual fee. Know which cards are worth keeping.

Total Portfolio Value

See your total utilized credit value, first-year value, and second-year value across all cards. Make informed decisions.

How It Works

Add Your Cards

Enter your cards with credits and perks. We'll automatically pull credit information from our comprehensive card database.

Set Utilization Rates

Adjust utilization sliders for each credit based on how much you actually use it. 100% if you use it fully, 0% if you never use it.

See Real Card Value

Get first-year and second-year value calculations for each card. Know which cards are worth the annual fee and which to close.