Self-Guided Digital Spreadsheet

Know If Your Credit Cards Are Actually Worth It.

Track annual fees, card credits, usable value, remaining value, and profit/loss in one organized spreadsheet designed for premium cardholders, points users, travelers, and entrepreneurs.

Track Every Credit
Organize monthly, quarterly, semi-annual, and annual credits so you can see what each card actually offers.
Compare Against Fees
Add your annual fees and quickly see whether your usable credits outweigh the cost of each card.
See Profit or Loss
The dashboard helps you visualize total credits, annual fees, remaining value, and net card value.

Premium Cards Can Be Valuable — But Only If You Use the Benefits.

Many credit cards advertise hundreds or even thousands of dollars in credits. But the real question is not how much value the card claims to offer.

The real question is: how much of that value do you actually use?

Without a System
- Credits are scattered across multiple cards.
- Annual fees are easy to underestimate.
- Monthly and semi-annual credits get forgotten.
- It is unclear which cards are worth keeping.
With the Master List
- Credits and annual fees are organized in one place.
- Usable credit value is calculated automatically.
- You can track credits used and remaining value.
- You can quickly see profitable vs. losing-value cards.

Built for Real Credit Card Setups

This spreadsheet was designed for people managing premium cards, business cards, travel cards, dining credits, hotel credits, airline credits, shopping credits, entertainment credits, and lifestyle benefits.

Monthly credits
Quarterly credits
Semi-annual credits
Annual credits
Annual card fees
Used and remaining value
Net profit or loss by card

Who This Is For

The Credit Card Credits Master List is for people who want a clearer view of their card setup before paying another annual fee or adding another premium card.

Premium cardholders managing multiple benefits
Points and miles users tracking credit card value
Travelers comparing lounge, hotel, airline, and dining benefits
Entrepreneurs and business owners managing personal and business cards
Anyone deciding whether to keep, downgrade, cancel, or upgrade a card

The Goal Is Clarity.

This spreadsheet does not tell you which card to get. It helps you understand whether the cards you already have are creating value based on your real usage.

A card may look impressive on paper. This tool helps you see whether it actually fits your life.