Want to build a better way to track card rewards, milestones, and spends

[jass]

Hi everyone,


I use a few credit cards and often run into these issues:

• I lose track of milestone spends needed for rewards or fee waivers
• I forget which card offers lounge access or other benefits
• I need to log into different bank apps just to check basic info
• I dig through emails or PDFs to find past spends or offers

I'm thinking of building a simple, privacy-friendly tool to make this easier — something that helps track all this in one place without needing SMS or email access.

Right now, I’m just validating the idea.

Would love to hear from you:

• How do you currently manage your cards, spends, and rewards?
• What’s the biggest pain point for you?
• What would your ideal tool look like?

Appreciate any feedback!

 

[hellowo₹ld]

- excel, money manager and monthly statements (without any permissions)
- initially it took time, now its part of routine. its easy now.
- excel (annual spends, return rate, due date, amount left)

btw, 2 & 3 from first 4 points will never go away.

 

[cardio_guycardio_guy is verified member.]

Many tools are already existing. I would say do not reinvent the wheel unless it is absolutely necessary.
Check this:

A

Thread 'App to track all credit card spends in one place'

Dec 14, 2024

Hi TF Community,

As we all have multiple credit cards, I am quite sure all of us have faced one or another problem while managing our credit card portfolio.
In this post we'll focus on some specific problems and try to solve them.

• Tracking current anniversary year and or past month spending: Tracking Anniversary year spending for your credit card is important and much required for multiple reasons.
  • If you have multiple credit card with annual charges with some waiver criteria and you want to keep an eye on anniversary year spend so that once reaching the waiver limit...

• Aadi55
• all app credit card transaction
• Replies: 107
• Forum: Credit Card - General

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[dvader]

I have been cought in this management spiral multiple times. But after hoarding CCs and DCs It's not worth time time. There are just 4-5 CCs worth keeping track of and an Excel sheet/basic tracker app is all you need. as @cardio_guy mentioned do not reinvent the wheel

 

[cardio_guycardio_guy is verified member.]

I was epxloring this last few weeks. I have come across many apps and tools - starting from cred, savesage, awardwallet, fold, ccreward, and all those hobby-projects by enthusiasts. At the end of the day, yes like what you told, it is not worth the time -- to overdo it, and to reinvent it.
100% matching with this -- there are just 4-5 CCs worth keeping track of and an Excel sheet/basic tracker app is all you need.

 

[jass]

Many tools are already existing. I would say do not reinvent the wheel unless it is absolutely necessary.
Check this:

A

Thread 'App to track all credit card spends in one place'

Dec 14, 2024

Hi TF Community,

As we all have multiple credit cards, I am quite sure all of us have faced one or another problem while managing our credit card portfolio.
In this post we'll focus on some specific problems and try to solve them.

• Tracking current anniversary year and or past month spending: Tracking Anniversary year spending for your credit card is important and much required for multiple reasons.
  • If you have multiple credit card with annual charges with some waiver criteria and you want to keep an eye on anniversary year spend so that once reaching the waiver limit...

• Aadi55
• all app credit card transaction
• Replies: 107
• Forum: Credit Card - General

• 
• 
• 

Thanks for the feedback. I've already tried this website, but it's not what I want. I'm not trying to rediscover the wheel, which is why I'm putting more time into planning my main features very carefully.

 

[cardio_guycardio_guy is verified member.]

Thanks for the feedback. I've already tried this website, but it's not what I want. I'm not trying to rediscover the wheel, which is why I'm putting more time into planning my main features very carefully.

Sure no worries. Yes it can be difficult, we cannot find the exact customized solution that we want for our cards.
Even I am not able to find a 100% match to my requirements.

Tracking includes spend categories, cardwise and total, card expiry dates, bill dates, reward points accumilated, cashbacks received, points expiry, best card for a particular usecase or expense, which card to use and how to use for best rewards, double dip options, and things like that.

If you can come up with something, many people from this community will be happy to help and contribute.

 

[fit_future]

Stay organized, maximize benefits, and never miss opportunities with smarter, simplified tracking designed for your financial growth.

 

[fit_future]

Users propose a privacy‑first tool to monitor credit card rewards, milestone spends, perks and expiry, citing Excel trackers now, and advising not to reinvent existing solutions but refine usability and insight.

 

[BK7]

I was epxloring this last few weeks. I have come across many apps and tools - starting from cred, savesage, awardwallet, fold, ccreward, and all those hobby-projects by enthusiasts. At the end of the day, yes like what you told, it is not worth the time -- to overdo it, and to reinvent it.
100% matching with this -- there are just 4-5 CCs worth keeping track of and an Excel sheet/basic tracker app is all you need.

Any secure Indian apps apart from Cred ?

 

[tharun]

Savesage

Indian apps apart from Cred

Why don't you check savesage

 

[BK7]

Savesage

Why don't you check savesage

How it's secure, please explain.

 

[tharun]

How it's secure, please explain.

Idk
Why don't you ask @ashishlath the founder
For further information refer this thread

A

Thread 'Feedback on SaveSage Club'

Nov 26, 2024

Hello Everyone,

I'm Ashish Lath, Founder of SaveSage Club - an application which lets you track, manage and optimise all your credit cards and loyalty programs in one place. It's an app made for India, with love in India.

Starting a thread for our users to share their feedback and ask any queries that they may have!

P.S. This is not a promotional thread and is only intended to gather user feedback and answer any queries that anyone may have!

• ashishlath
• credit card loyalty
• Replies: 109
• Forum: Business Ideas, Startup, Share Your Story

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