Free, open source, no bank login

Replace your credit-card benefits spreadsheet.

Track recurring credits, reset windows, free-night certificates, loyalty expirations, and annual-fee ROI without connecting bank accounts.

Perks Reminder benefit tracking overview

12

Credits tracked

4

Due soon

$0

Subscription

34+

Popular cards

Static public catalog entries ready for manual tracking.

129+

Tracked benefits

Recurring credits, certificates, and card benefits with reset logic.

$0

Subscription

Use tracking, reminders, import/export, and ROI summaries for free.

Built for serious card stacks

Perks Reminder keeps the control of a manual spreadsheet, then adds the pieces spreadsheets are bad at: reset logic, reminders, usage notes, and annual-fee value tracking.

Reset dates handled

Monthly, quarterly, annual, and card-anniversary benefits without spreadsheet formulas.

No bank connection

No card numbers, bank credentials, Plaid, or transaction history.

Usage guides included

Practical trigger notes, timing caveats, and correction paths.

Multiple copies work

Duplicate physical cards, display labels, custom benefits, annual-fee dates, and import/export.

Start tracking in minutes

No bank access needed. Add cards manually and let the tracker organize every benefit cycle.

Add your cards

Pick cards from the catalog and add the opening date for accurate benefit cycles.

Track each reset

Monthly, quarterly, and yearly benefits stay organized by calendar dates or card anniversary dates.

Get reminders early

Email alerts warn you before credits expire, with custom reminder timing included for every account.

Review annual value

Know exactly whether your annual fees are paying off. Track claimed value vs. fees paid with real-time ROI analysis.

Why use Perks Reminder instead of a spreadsheet?

Keep manual control, then let the app handle the reset math, usage notes, reminders, and exports.

Replace spreadsheets

Track cards, reset dates, annual fees, claimed value, and reminders in one place.

Know how to use credits

Benefit Usage Guides include practical trigger notes, timing caveats, and correction paths.

Own your data

Manual tracking, no bank login, import/export, and open-source inspection keep you in control.

Supported Credit Cards

Track benefits from 34 popular credit cards. We support cards from major issuers with detailed benefit tracking and automated cycle management.

7
Major Issuers
129
Tracked Benefits
$15,653.73
Annual Value

American Express

American Express Business Gold Card

American Express Business Gold Card

Annual Fee: $375

Benefits: 2 tracked benefits

Popular benefits include:

$20 Monthly Flexible Business Credit (FedEx, Grubhub, Office Supply)
$12.95 Monthly Walmart+ Membership Credit
American Express Business Platinum Card

American Express Business Platinum Card

Annual Fee: $895

Benefits: 10 tracked benefits

Popular benefits include:

$2,400 Annual One AP Statement Credit (High Spender Benefit)
$1,200 Annual Amex Travel Flight Credit (High Spender Benefit)
...and 8 more
American Express Gold Card

American Express Gold Card

Annual Fee: $325

Benefits: 5 tracked benefits

Popular benefits include:

$50 Resy Credit (Jan-Jun)
$50 Resy Credit (Jul-Dec)
...and 3 more
American Express Platinum Card

American Express Platinum Card

Annual Fee: $895

Benefits: 19 tracked benefits

Popular benefits include:

$300 Semi-Annual Hotel Credit (FHR/THC prepaid bookings - Jan-Jun)
$300 Semi-Annual Hotel Credit (FHR/THC prepaid bookings - Jul-Dec)
...and 17 more
Delta SkyMiles Gold American Express Card

Delta SkyMiles Gold American Express Card

Annual Fee: $150

Benefits: 2 tracked benefits

Popular benefits include:

$200 Delta Flight Credit (after $10k spend)
$100 Delta Stays Credit
Delta SkyMiles Platinum American Express Card

Delta SkyMiles Platinum American Express Card

Annual Fee: $350

Benefits: 3 tracked benefits

Popular benefits include:

$150 Delta Stays Credit
$10 Monthly Resy Credit
...and 1 more

Ready to start tracking your credit card benefits?

Get started

Completely free

Perks Reminder has no paid plan, no subscription, and no card or reminder limit.

Price

$0forever

Built as a free, open-source tracker for people who want reminders without bank-link access or another paid finance app.

Create Free Account

Everything included

Unlimited card tracking
Recurring benefit cycles
Email reminders
Custom reminder windows
Loyalty point expiration tracking
Free night certificate tracking
Annual fee ROI analysis
Data import and export

If the product needs limits for abuse prevention later, they should be operational safeguards, not paid feature gates.

Common questions

Everything you need to know about Perks Reminder.

Yes. Perks Reminder is completely free: unlimited cards, benefit tracking, ROI analysis, loyalty tracking, data export, and email reminders are included.

Absolutely not. We never ask for banking credentials, account numbers, or financial login information. You simply tell us which cards you have and we track the publicly-known benefits for those cards.

We send a daily email digest when you have benefits starting a new cycle or expiring soon. You control which notification types you receive and how far ahead reminders should arrive in your settings.

No. The old Pro plan is deprecated. Current product features are free for every account.

We support a growing catalog of premium cards from major issuers including American Express, Chase, Capital One, Citi, Bank of America, US Bank, and more. If a card is missing or a benefit looks stale, use the correction links or contact page so we can review the data.

Yes. If your spreadsheet tracks card, opening date, annual fee, recurring benefit, reset cadence, claimed value, and reminder date, Perks Reminder can move that workflow into the app and add cycle logic, email reminders, ROI summaries, and Benefit Usage Guides.

Yes. You can add duplicate physical cards, use nicknames or last-four labels, keep separate annual-fee dates, track benefit usage independently, add custom benefits, and review ROI for each card copy.

Yes! Our Loyalty Program tracker monitors your airline miles, hotel points, and other rewards programs. Get alerts before your points expire due to inactivity.

Your data is stored securely on encrypted databases. We don't sell your data or share it with third parties. You can export or delete your data anytime from the Settings page.

Stop losing credits to reset dates.

Build a card checklist, record claimed value, and know when each benefit needs attention.

Get started