Annual-fee value
Compare the fee with value you actually confirmed, while keeping projected unused credits separate.
BenefitTrove
Credit Card Benefits Tracker
Never miss a credit card benefit.
Track statement credits, see what expires next, compare rewards by spending category, and know whether each annual fee is paying for itself.
Coming soon for iPhone in the U.S.
$463.25 confirmedAnnual-fee value tracked
5 benefits openRedeem full or exact amount
Benefits you chooseKeep the Home timeline focused on useful credits
U.S. card catalogCredits, reward rates, and transfer programs
No issuer login requiredChoose your cards and record usage manually
Benefit tracking
Keep the credits that matter in one timeline.
Choose which benefits you want to track instead of turning every membership perk into a task. BenefitTrove focuses the Home timeline on credits you can actually use.
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Track the right schedule
Monthly, quarterly, calendar-year, and cardmember-year benefits renew when they should.
02
Record the exact amount
Mark a benefit fully redeemed or enter a partial amount, then undo an accidental action.
03
Customize every reminder
Choose how many days ahead to alert, the minimum remaining value, and silent or vibration delivery.
Rewards comparison
Use the best card for every purchase.
Search groceries, dining, travel, gas, transit, streaming, and more. BenefitTrove translates points, miles, and cash back into estimated value so you can compare cards on the same scale.
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My Wallet or Explore All
Rank only cards you own, or compare the wider catalog when planning your next card.
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Quarterly categories included
Effective dates, rotating bonus categories, enrollment notes, and spending caps feed the ranking—not the benefit checklist.
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Your point values
Start with sensible defaults or set a custom value for each rewards program.
Built for real card rules
More than a coupon checklist.
BenefitTrove keeps redeemable credits, earning rates, annual-fee value, and points transfers separate—so each rule appears where it is useful.
Changing earn rates
Handle effective dates, category caps, rotating quarters, and special schedules such as first-of-month bonuses.
Transfer programs
Browse airline and hotel partners, their conversion ratios, and time-limited transfer bonuses.
Custom alerts
Get the alerts you care about—not every alert.
Turn benefit-change and transfer-bonus alerts on independently. For transfer bonuses, select the airline and hotel partners that matter to you.
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Partner-level choices
Follow supported airline and hotel programs across your wallet, not only one issuer.
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Useful notification context
See the card program, transfer partner, bonus rate, and end date when available.
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Direct landing page
Open the relevant benefit or transfer-bonus detail instead of a generic home screen.
Catalog quality
Checked weekly. Reviewed before it changes your app.
Automated scans look for benefit, earning-rate, and transfer-bonus changes. Matching results refresh the validation timestamp; differences are held for review instead of overwriting the production catalog automatically.
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Weekly source checksBenefits, category rates, and transfer bonuses are compared with the live catalog.
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Change detectionNo-change runs refresh validation; differences are preserved as review candidates.
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Reviewed publicationApproved, signed catalog updates become available to the app and eligible alert subscribers.
Issuer terms, targeted offers, eligibility, merchant coding, transfer ratios, and program availability can change and may differ by account. BenefitTrove is an independent informational tool and is not affiliated with any card issuer, payment network, airline, or hotel program. Always verify material decisions with the issuer.
Questions
Credit card benefit tracking, explained.
What credit card benefits can BenefitTrove track?
BenefitTrove tracks redeemable credits and perks on monthly, quarterly, annual, and cardmember-year schedules. You can record full or partial usage, undo a redemption, and review prior periods.
Does BenefitTrove connect to my bank or credit card account?
No. You select the cards you own and record benefit usage manually. BenefitTrove does not request your card number, bank login, or issuer credentials.
Can BenefitTrove tell me the best card to use?
Yes. Choose a spending category such as groceries, dining, travel, gas, or transit to compare estimated reward value across cards in your wallet or the supported catalog.
Does it support rotating quarterly bonus categories?
Yes. The rewards model supports effective dates, category-specific rates, enrollment notes, and spending caps, so rotating quarterly categories can appear in Best Card comparisons without becoming a benefit you must mark redeemed.
Can I receive transfer bonus alerts?
BenefitTrove includes transfer bonus alerts. You can choose the airline and hotel partners that matter to you and turn those alerts on or off independently from benefit-change alerts.
Is the catalog guaranteed to be current?
No. BenefitTrove checks its catalog regularly and reviews detected changes before publishing them, but issuer terms, targeted offers, merchant coding, eligibility, and transfer programs can change. Always verify important details with the issuer.
Get more value from the cards you already carry.
BenefitTrove—the Credit Card Benefits Tracker—is coming soon for iPhone in the United States.