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THe unified workspace for
credit cards, points, and trips
See every card, sign-up bonus, and points program alongside a powerful, unique trip planner.
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Smart Trip Organization
✈️ Built Different: A Travel App That Actually Plans TripsMost award tools stop at your wallet—CardTrack goes all the way to your destination. Our unique built-in trip planner connects your points strategy directly to your actual itineraries. Piece together complex multi-stop flight segments, hotel award nights, and travel expenses seamlessly in one interface. Stop losing your travel notes in chaotic spreadsheets and organize your entire vacation from dream to departure in a single, cohesive travel workspace.
📊 Stop Guessing Your Redemption ValueStop jumping back and forth between your calculator app and award search tools. CardTrack lets you log the cash price right next to the points cost for any flight or hotel stay.
📝 Your Strategic Travel ScratchpadAward travel requires strategy, not just math. Ditch the random sticky notes and phone drafts. Keep detailed logs of phone conversations with retention departments, future application timelines, and complex airline routing ideas right next to your real-time data dashboard.
🏆 Milestone Goals for Elite Loyalty StatusStop tracking elite mile milestones in random notes. Set up custom tracking metrics to hit your next tier of airline, hotel, or rental car loyalty status, keeping your path to perks entirely visible.
Credit Card & Reward Logistics
🌐 Your Entire Net Worth in PointsConsolidate your airline miles, hotel points, and flexible bank currencies into a single, unified view. Stop logging into dozens of individual loyalty accounts just to check your balances. CardTrack organizes your total rewards wealth in one secure dashboard, giving you instant clarity on what you can afford to book next.
🚀 Never Miss an Award Welcome OfferMissing a massive sign-up bonus by a few dollars or a single day is heartbreaking. CardTrack replaces manual calendar tracking with dedicated countdown timelines for every new card in your wallet. Monitor your progress toward your minimum spend requirements in real time and lock in every single point haul.
📅 Anticipate Retain-or-Cancel DecisionsDon't let an annual fee surprise you on a statement. CardTrack maintains a dynamic schedule of your upcoming renewal dates. Track when your fees will hit so you have plenty of time to prepare a retention call strategy, schedule a downgrade, or cancel the card before you are charged.
💎 Max Out Your Statement CreditsStop leaving free money on the table. When you juggle multiple premium cards, tracking monthly Uber credits, semi-annual retail perks, lounge passes, and airline incidentals becomes impossible. CardTrack helps you monitor and exhaust every credit in your wallet so you fully offset your annual fees.
🔢 Chase 5/24 Rule Compliance TrackerThe golden rule of award travel is staying under Chase’s 5/24 limit. CardTrack calculates your exact rolling application history so you always know your status before submitting your next card request.
🗂️ Strategic Card Assignment (Everyday to Sock Drawer)Organize your portfolio by actual utility. Dynamically assign each of your credit cards to a dedicated strategic roll—whether it's your Everyday Carry, a Specific Category Multiplier, a Seasonal Rotation, or safely resting in the Sock Drawer.
🏦 Unified Available Credit MonitorProtect your credit utilization score. Monitor a clean, consolidated overview of your total available credit limits, total current balances, and absolute utilization rates across your entire multi-bank profile.
Expense Tracking & Auditing
🛒 Multi-Card Portfolio Expense TrackerJuggling expenses across a multi-card strategy shouldn’t mean logging into five different banking apps to see what you spent. CardTrack allows you to record your transactions seamlessly across multiple credit cards while assigning them to specific pay-from accounts. Track your exact out-of-pocket costs and monitor your cash flow effortlessly from one dashboard, all without sacrificing your financial privacy.
🔍Purchase & Payment ReconciliationKeep your financial records flawless without linking a single bank login. CardTrack lets you systematically match your logged purchases and individual card payments directly against your official monthly statements. Easily audit your accounts, verify that every transaction is accounted for, and ensure your tracked balances perfectly match reality so your entire credit card portfolio stays strictly in sync.
🔔 Custom Strategy & Milestone AlertsWhile CardTrack handles standard billing and payment deadlines in your settings, the Personalized Reminders page is built for your custom strategy. Schedule alerts tailored entirely to your personal goals—whether that means reminding yourself to swap a card for an upcoming recurring bill, tracking exactly when to call for a retention offer, or setting a countdown for your next major credit card application milestone.
📄 Total Data Freedom Outside the AppYour award travel data belongs entirely to you. Whether you want to back up your strategy, share a trip itinerary with a travel partner, or run a deep-dive analysis on your desktop, CardTrack lets you export your logs into clean, printable PDFs or data-rich CSV files with a single click.
💼 Multi-Business & Personal Spend SeparationEffortlessly separate personal spending from multiple separate business entities. Keep your corporate expense tracking perfectly isolated from your individual leisure travel logs across your shared cards.
Frequently Asked Questions (FAQ)
While spreadsheets are highly customizable, they require tedious manual upkeep, break easily with accidental formula edits, and don't provide proactive support. CardTrack replaces fragmented sheets with an intelligent, automated workspace. It keeps your point balances, credit card benefit expiry dates, application milestones, and rolling Chase 5/24 status automatically calculated and visible on a beautiful, mobile-friendly interface designed specifically for award travelers.
Unlike other award tracking apps that force you to link your financial accounts via third-party aggregators, CardTrack relies on 100% manual entry. We never ask for your bank logins, credit card numbers, or passwords. Your data remains completely private, secure, and under your control, making it the perfect tracking solution for privacy-conscious points-and-miles enthusiasts.
Most award travel utilities only look at your wallet—CardTrack connects your wallet directly to your actual vacations. Our unique award travel trip planner allows you to map out complex multi-stop flight segments, hotel award nights, and cash vs. points cost comparisons inside your dashboard. This means you can track exactly which card benefits apply to which leg of your upcoming trip, all in one centralized workspace.
Yes, absolutely. CardTrack was explicitly engineered to be a unified ecosystem for award travel. Instead of using separate tools to monitor point balances, track sign-up bonus countdowns, manage statement credits, log daily expenses, and draft trip itineraries, CardTrack centralizes every moving part of your points-and-miles strategy into a single app.
Yes. Your award travel data belongs entirely to you. CardTrack features a built-in data freedom engine that allows you to generate and download clean, printable PDF logs with a single click, allowing you to run external audits or share itineraries with travel partners seamlessly.
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