I’m turning a new page.
As I added more premium cards to my award strategymy wallet has expanded. Premium travel products have increased annual rates and added more statement credits all year and I’ve gotten to the point where it’s time to get organized. I don’t want to lose value because I let the months go by.
I have advantages to track on my American Express Platinum® Card, Capital One Venture X Rewards Credit Card, Hilton Honors American Express Surpass® Card and Chase Sapphire Preferred® Card (see rates and fees).
Depending on the benefitA statement credit may be reset every calendar year, on my account anniversary, every other year, quarterly, or monthly. There’s a lot to keep track of, and that’s why I leaned on my TPG colleagues to help me. Some of my colleagues successfully manage more than 20 rewards cards.
If you are balancing multiple cards with urgent statement creditsyou are not alone. Here are four tips to help get you (and me) on track with our card benefits.
Login to online account trackers
While I haven’t yet jumped on the spreadsheet bandwagon or set up recurring notifications in the app, I review my card accounts weekly and continue to keep an eye on the benefit trackers for each of my cards.
This method is not perfect, as it can take anywhere from a few days to even weeks for certain statement credits to reflect in my account.
However, I appreciate how broadcasters, such as American ExpressThey eventually reflect the exact dollar amount I’ve spent to make a profit, along with how much I have left to spend to maximize it.
This method works for now, but as my life gets busier (and I add more cards to my wallet), I see the need for other options to track my credits.
Reward your inbox with TPG’s daily newsletter
Join over 700,000 readers to receive breaking news, in-depth guides, and exclusive offers from TPG experts.
Related: How long does it take to receive statement credits from Amex, Capital One, Chase and Citi?
make a spreadsheet
Award-winning travel enthusiasts I’ve been creating spreadsheets to keep up with statement credits, benefits, bonus categories, and balances for years. It is true that this is a simple route that I hope to take advantage of more in 2026.
Fortunately, many TPG users have perfected their process. Director of points, miles and credit card content Carly HelfandThe method is simplified. She divides statement credits into sections based on the card they are on, listing the amount you can receive and how often it is earned.
For example, in the Amex Platinum section of her spreadsheet, Carly has four $100 resy credits listed “Q1,” “Q2,” “Q3,” and “Q4,” which designate the four quarterly statement credits of up to $100 that the Amex Platinum Card provides for purchases made at any eligible U.S. Resy restaurant.*
*Cardholders receive up to $400 per calendar year; registration required; no reservation required.
Mark an “X” in the appropriate cell after using the statement credit and review your spreadsheet quarterly.
A spreadsheet is flexible, customizable and personal, but you have to take the time to refer to it periodically. My New Year’s resolution will be to establish a spreadsheet routine that works for me, since this method is not one-size-fits-all.
Related: Amex Platinum Card Members: Take advantage of your credits before the end of the year
Set email and calendar reminders
Sometimes you need a quick popup to focus.
Points and Miles Advantage Writer Katie Genter He said he uses some spreadsheets, but also uses AwardWallet to send email reminders when a statement credit he hasn’t yet used is about to expire.
Contributing editor Matt Moffitt Set recurring reminders every quarter in your Google Calendar for monthly, quarterly, and bi-annual credits. This includes up to $75 quarterly. lululemon credit for purchases in US stores (excluding points of sale) and online in the Amex Platinum.**
**Cardholders receive up to $300 in statement credits per calendar year; registration is required.
These are tips I can also follow since I use Google Calendar regularly to stay up to date with my travel plans and appointments. Adding my forgettable statement credits should be easy.
Related: Don’t Waste Credits: Your 2025 Year-End Credit Card Checklist
Use an app
Matt updates a “master list” of bi-annual and annual credits in the Notes app on his iPhone every time he spends one.
For example, you have a note to use your Hilton Honors American Express Aspire CardIt is up to $200 semiannually hilton complex statement credit (up to $400 in statement credits per calendar year on eligible purchases at Hilton resorts; enrollment required) in the first half of 2026, since you already used it for the second half of 2025.
Carly sets up notifications on a to-do list app called TickTick to remind herself to check recurring credits, and Katie uses the Todoist app for reminders.
Katie said she will “double (and, in some cases, triple) reminders” to make sure you don’t miss out on statement credits. I think it’s a very good idea.
Related: Will you be traveling soon? These 12 Apps and Websites Make Reward Redemptions Easier to Find
In a nutshell
If you have several premium credit cards that offer long lists of statement credits, you’ll want to make sure you use them and maximize the return on your annual fees.
This can become more challenging as you add more cards to your strategy, so now might be the best time to get organized.
I’m ready to try some of these methods for myself to make it easier to keep up with all my benefits.
Related: Maximize Your Rewards: Your Points and Miles Checklist
