How do I track card benefits and credits?

Many cards come with perks: travel or dining credits, free airport lounge visits, a companion voucher. Track them in Finly Money to see how much is left, when it comes back, and what your perks were worth against the card's annual fee.

Go to Rewards and choose Benefits. From All cards you see every card; from one card in the wallet you see just that card's benefits.

Start tracking a benefit

1. 1

   Pick one of the card's perks

   Under On this card's page, choose a perk listed for your card. The form fills in from the card's details for you to check.

2. 2

   Or add your own

   Choose Track your own benefit for anything that isn't listed.

3. 3

   Fill in the details

   Give it a name, then choose what it gives you: A credit ($) or Visits or uses. Enter how much comes each period (leave it empty for unlimited) and when it Resets: every card year, calendar year, six months, quarter or month, or once.

4. 4

   Add the extras (optional)

   For visits, add what one visit is worth to you, like the price of a lounge day pass, to see the value you got. For credits, add how the credit shows on your statement so we can suggest matches.

5. 5

   Start tracking

   Choose Start tracking. The benefit appears with a meter for what's used and what's left.

Record a use

Choose Record a use beside the benefit. It starts at one visit, or at what's left of the credit; change the amount, the date and add a note if you like, then choose Record. Once a benefit is used up for the period, the button reads Used up.

Tap a benefit's name to see every use you recorded, and remove one with the bin icon. You'll also see what it's been worth to you so far, all time.

Credits we spot on your statement

When a credit posts on your card that looks like one of your benefits, we suggest it, for example "A $100.00 credit posted Mar 3". Choose Count it to record it against the benefit, or Not this to dismiss it on this device. Nothing is recorded unless you say so.

When benefits reset

Each benefit shows when it resets and how many days are left. When a benefit (other than a monthly one) still has something left and resets within 45 days, it reads "use it before it resets", and Rewards lists it under Worth a look.

Change or stop tracking a benefit

Choose the three-dot button beside a benefit, then Change… to edit it, Stop tracking to set it aside, or Remove with its history to delete it and every use you recorded.