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Want to build a better way to track card rewards, milestones, and spends

jass

TF Neo
Hi everyone,


I use a few credit cards and often run into these issues:
  • I lose track of milestone spends needed for rewards or fee waivers
  • I forget which card offers lounge access or other benefits
  • I need to log into different bank apps just to check basic info
  • I dig through emails or PDFs to find past spends or offers

I'm thinking of building a simple, privacy-friendly tool to make this easier — something that helps track all this in one place without needing SMS or email access.

Right now, I’m just validating the idea.

Would love to hear from you:
  • How do you currently manage your cards, spends, and rewards?
  • What’s the biggest pain point for you?
  • What would your ideal tool look like?
Appreciate any feedback!
 
- excel, money manager and monthly statements (without any permissions)
- initially it took time, now its part of routine. its easy now.
- excel (annual spends, return rate, due date, amount left)

btw, 2 & 3 from first 4 points will never go away.
 
Many tools are already existing. I would say do not reinvent the wheel unless it is absolutely necessary.
Check this:
 
I have been cought in this management spiral multiple times. But after hoarding CCs and DCs It's not worth time time. There are just 4-5 CCs worth keeping track of and an Excel sheet/basic tracker app is all you need. as @cardio_guy mentioned do not reinvent the wheel
 
I was epxloring this last few weeks. I have come across many apps and tools - starting from cred, savesage, awardwallet, fold, ccreward, and all those hobby-projects by enthusiasts. At the end of the day, yes like what you told, it is not worth the time -- to overdo it, and to reinvent it.
100% matching with this -- there are just 4-5 CCs worth keeping track of and an Excel sheet/basic tracker app is all you need.
 
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