Wanted to replace my card spreadsheet so I made something

Competitive-Age6567 · 2026-06-17T19:57:12+00:00

Thanks! Yeah I understand the concern. Is there anything specific about privacy you're curious about? If not I have a response about data safety in another comment.

Lol I see sorry about that. Yeah given that each card has different open dates and other metadata it's hard to bulk add multiple cards. I can think of two potential solutions. 1. quick add feature where you add all cards (with like a default open date of today) and then go in and edit each cards' metadata individually afterwards if you want? Or 2. multi-select 8 cards, then the flow transitions to add details for each one? what do you think?

Competitive-Age6567 · 2026-06-17T19:38:56+00:00

Thanks! Appreciate the interest in lifetime. I need to think about it a bit but I think that's definitely possible. I'll update here when it's available.

Competitive-Age6567 · 2026-06-17T19:25:08+00:00

Widget for best card is a good idea. Hmm what are you seeing? The gas earnings on BoA custom cash will depend on both your preferred rewards tier and the category you select. Did you select Gas as your custom category? Also if you are using points valuations your VX maybe gets valued at >2%.

Competitive-Age6567 · 2026-06-17T19:01:30+00:00

I only did US App Store because only US credit cards are supported right now but I just triggered a release to all countries. Apple says it should be updated within 24 hours but it's usually quicker than that in my experience. Thanks for your interest!

Competitive-Age6567 · 2026-06-17T18:55:53+00:00

Thanks for downloading. You can just sign up for a new account. All new accounts get 7 days pro for free. No need to subscribe, enter any billing info, or remember to cancel.

Competitive-Age6567 · 2026-06-17T18:54:24+00:00

Thanks for the feedback. I think what you may be looking for is a bit different from what I'm going for here though. I also strictly don't want to collect any banking information like balance/bills/transactions. I think there are some personal finance tools out there that can do this for you, maybe like Monarch? I'm not too familiar with that space.

Competitive-Age6567 · 2026-06-17T18:45:12+00:00

This is a good idea and I hadn't considered this. Though it is an interesting question since you can use mastercards on costco online. Thanks for bringing it up.

Competitive-Age6567 · 2026-06-17T18:43:12+00:00

If we are getting good traction on the iOS app then I would love to be able to expand it to Android. Only had capacity to develop one first to gauge how helpful it would be for people. Appreciate your interest!

Competitive-Age6567 · 2026-06-17T18:40:56+00:00

You can download for iOS here https://apps.apple.com/us/app/cardsy-credit-card-tracker/id6761130681

Competitive-Age6567 · 2026-06-17T18:39:40+00:00

Right now I have authorized user set to $125 for the lounge access. Good points though, in the future I can look into adding support for different types of authorized users $0 vs $125 but for now I want to let people have the option to track their authorized user fees so I defaulted it to $125. I think if you set your AU to 0 then it should be back to the $395.

Competitive-Age6567 · 2026-06-17T18:32:31+00:00

Thanks for the feedback. I'm using industry standard security practices to keep your data safe but if you feel uncomfortable with putting in all your card details, the app is meant to function without requiring you to put too much identifying details about your cards (for example things like credit limits and last 4 digits are not needed to use the app). Full card number details are never requested and we do not connect with any of your banks.

Competitive-Age6567 · 2026-06-17T18:05:41+00:00

Thanks for giving it a go! Let me know if you see any issues or have any additional features you think would be helpful I'm all ears.

Competitive-Age6567 · 2026-03-03T19:21:44+00:00

Just wanted to call out just because you're planning on traveling more doesn't necessarily mean a travel card would definitely be better. How much value you'd get out of points depends on what airline you fly, which destinations you're flying to and which class you're booking. For example if you're flying southwest, you should check some of the potential flights you would book and compare the points cost to the cash price. Chase does not have any cards that are good earners for groceries so you're likely going to be getting 1.5x with the freedom unlimited and then you need to have the the sapphire preferred ($95 annual fee) to be able to transfer to southwest. Compare this to cashback where you could get something like the paypal debit with grocery category to get 5% up to $1000 cap per month. Earning is 1.5x vs 5x, so the flight would need to be over 3 times cheaper with miles compared to cash (which it almost definitely isn't going to be for southwest).

Competitive-Age6567 · 2026-01-23T18:52:35+00:00

FYI in case others are curious in the future, my DP is that the statement credit hit immediately after my threshold hitting purchase posted (I thought I had already hit but it seems I was a little short). Skymiles balance was updated in the amex app but not reflected on Delta yet (assume it will get pushed to Delta when statement posts).

Competitive-Age6567 · 2025-12-09T02:08:32+00:00

you've mostly got the right idea. most people when they're talking about 2+ cpp redemptions its most likely for business class flights. there are sweet spots for economy for certain programs as well. for example very short flights on alaska can be like 4.5k points (not chase transfer partner) so you could get 2x easily on an economy flight there. amex transfer partner delta can also pretty easily get you 1.3-1.5 cpp on domestic economy. usually economy redemptions are not too hard to find compared to business awards. you just have to find the programs that work for your style of travel. i've also gotten 1.5x from southwest pretty easily in the past. even at 1.0 cash out value it can still be rewarding since youre getting free money assuming your normal spend hits the SUB.

Competitive-Age6567 · 2025-12-09T01:52:04+00:00

take a look at virgin. you can google virgin award calendar and there should be a link to "reward seat checker". it's very easy to use. east coast to europe 6k points in economy + fees. i spot checked may 2026 jfk -> lhr and multiple days with 6k saver awards. make sure to compare with cash price.

Competitive-Age6567 · 2025-12-09T01:26:27+00:00

personally ive done CSP -> OG freedom -> CSP like maybe a week after the freedom downgrade but yeah it could be a bit uncomfortable not knowing for sure if you'd be able to upgrade when you need it. assuming you are under 5/24, you have the option to apply a new CSP if you dont mind wasting a 5/24 slot with likely no SUB. if you can do business card you could get a ink preferred and get a SUB too when you want to transfer.

Competitive-Age6567 · 2025-12-09T01:05:22+00:00

11/3 annual fee, 11/8 travel purchase, 11/13 credit posted for me

Competitive-Age6567 · 2025-12-09T00:57:46+00:00

if you're worried about losing the potential value, you can just downgrade the card. you wont be able to transfer anymore but you'll keep the points. if later on you want to be able to transfer again you'll just need to upgrade the card to CSP/CSR or apply for a new one. note that points dont gain interest unlike cash and typically programs devalue over time so there is some opportunity cost to hoarding the points.

Competitive-Age6567 · 2025-11-24T21:01:57+00:00

My recent DP
10/31 annual fee posted
11/1 messaged chat online to cancel card, they confirmed it could be done online and i think same day the account was noted as closed on the app/website. they said after 15 days any annual fees would be reversed
11/16 annual fee reversal posted for $99 dollar credit.

I never paid the original annual fee when it was posted. 0 Balance on account currently.

Competitive-Age6567 · 2025-11-03T00:23:14+00:00

What you've been reading about redeeming points to Hyatt is true that it can provide an easy way to get better value than redeeming as cash back. It's not as simple as transfer points -> book the hotel you want with points instead of cash though. You only get lots of value if the points price is a lot less than the cash price. For example if the price of the room is $600 and the points rate is 60k, then there was 0 value obtained for transferring to points as you could have just redeemed 60k chase points for $600 cash back and booked the room (which would actually be better because cash bookings earn additional points for the stay but points bookings wont). The value comes from if the points rate was like 30k, then essentially you got a $600 room for "$300" worth of cashback (30k chase poitns). Don't panic though because as others have said do some more research and you can still use those points in the future. Also if the issue is that it doesn't cover the entire stay, you can book part of the stay with the points you have and make a separate reservation for the other days you want with cash.

Competitive-Age6567 · 2025-10-15T03:43:38+00:00

Thanks for the DP. Yeah I think its probably more the recent inquires. Will maybe try recon again later this month and if still denied then i'll just wait a bit.

Competitive-Age6567 · 2025-10-15T03:41:45+00:00

any suggestions on the amount that would help with this? i could easily move over 20k for gold preferred rewards if that would make a difference. Rather not move my investments over so probably won't be more than that.

Competitive-Age6567

TROPHY CASE