Thank you
@miztressuz for tagging me on the "spreadsheets" comment. I do enjoy my self-proclaimed title "King of Spreadsheets". I'll copy and paste that initial comment here and add another below:
CREDIT CARD TRACKING SPREADSHEET: (Bold for fields I think are really important)
1)
Issuer
2)
Card Name - Highlighted Green if a Biz card that does not affect 5/24 status
3) Last 4 Digits
4) AU - used this to track when we used to add spouse as AU on cards - no X's have appeared in this column lately
5)
Date Approved - the sheet is sorted by this column
6)
Date Cancelled - blank unless I cancelled the card
7)
Annual Fee
8) Annual Bonus - things like 6k SW points, free IHG night, etc.
9)
Signup Bonus - detail of the signup bonus I received on the card
10) Min Spend Amount
11)
Date Bonus Received - helpful with Chase where you're tracking 24 months to get the bonus again
12) Bonus Value - an approximation of what the signup bonus was worth
13) % Return - Bonus Value DIVIDED BY Min Spend - neat to see my return
14) Notes - misc notes not captured elsewhere
15) Ongoing Rewards - field where I capture any category bonuses (i.e. Grocery 3% or Gas 3%, or Freedom 5% quarterly)
ADDITIONAL COMMENTS:
- I have a separate section for my cards and my wife's cards.
- I don't delete or re-sort deleted cards. I highlight them red but leave them in order of date approved. This way I can quickly identify which cards are still open AND my 5/24 status.
- IF I PC a card - I'll make a note in the Card Name field...but leave the original name, I don't want to lose track of what that card was initially when I earned the bonus.
- The fields above are the columns...the cards are the rows
I also STRONGLY recommend you keep track of all of your points in each program. If something goes wrong or fraud occurs, it would be helpful to know how many points you had. It also can help with tracking when points will expire.
LOYALTY ACCOUNTS TRACKING SPREADSHEET:
1) Program Name
2) Person - Me, Wife, or in the case of SW accounts our daughters
3) Points Balance - EXACT number of points in the account
6) As Of - Date I last checked the points balance
4) Last Activity - IF points expire, date of last qualifying activity
5) Expiration - IF points expire, the date they will expire based on the last activity column
7) Approx. Value - Based on MY valuation, how much these points are worth
8) Notes - Misc Notes
9) Membership ID - Rewards Account Number or ID