Interactive ROI Calculator
See what your card is really worth to you
Pick a card, check only the benefits you actually use, and watch the math
Annual Benefits
0/6 selectedThese benefits reset on 3 different schedules. That's what makes tracking them hard.
Your ROI
$895 annual fee vs. benefits you use
$895 more to break even
This is a simplified illustration. Benefits shown are not exhaustive and values are approximate. We track 20+ cards across Amex, Chase, Citi, and Capital One. Explore all cards →
Replace your credit card spreadsheet
No Card Benefits
Left Behind
The average premium cardholder leaves $800-2,000/year in unused benefits.
Track benefits, see your annual fee ROI, log award travel redemptions, and keep your whole household in sync.
No credit card needed. No bank linking required.
Built by card enthusiasts who got tired of spreadsheets
Card Benefits in One Place
Add all your cards and see every benefit in one place. Track what's available, what's used, and what's expiring. No more juggling multiple apps or spreadsheets.
Household Collaboration
Your whole household joins the same workspace. Track who used what, see all your cards together, and stay in sync.
ROI Calculator
See what you're really getting for your annual fees. Track benefits used vs. fees paid and decide if each card is worth keeping.
Award Travel Tracking
Log your award flights, hotel stays, and other points redemptions. See your cents-per-point value and track how much you're getting from your points.
Why CardGenius?
We built what we wished existed. Here's how it stacks up.
CardGenius
Spreadsheets
Paid Trackers
My buddy showed me the spreadsheet he and his wife used to track their credit card benefits. It was insane with dozens of tabs and color-coded formulas everywhere. I started using it too but it eventually got too complex. When he turned it into CardGenius, I was the first one to sign up. Now my wife and I actually use all our benefits instead of forgetting about them until it's too late.
Jeff
Early user and friend of the founder
Frequently Asked Questions
Here's what people usually ask about CardGenius
What is CardGenius?+
CardGenius started as a personal project. My partner and I have several credit cards each, and we created shared spreadsheets, a bunch of reminders and calendar events just to not miss out on any benefits which have all different kinds of rules and expiration patterns.
After it got too complex, we created a simple reminder system for our household and shared it with friends too. It was very helpful so we're now opening it to anyone managing multiple cards.
How do you make money?+
Right now, we don't.
If you want to support CardGenius, consider using our personal referral links when signing up new cards. You can also make an optional donation via Buy me a Coffee.
Is it secure?+
Yes. Privacy was one of the main reasons we created CardGenius. There were other apps out there but we didn't want to link our banks just for benefits reminders.
Here, you manually add your cards, and we only store which benefits you want reminders for and when you've used them. We don't see your transactions or spending data.
What makes this different from a spreadsheet?+
Spreadsheets are great!
We started with a shared spreadsheet as well. However, it required constant manual updates, couldn't send reminders, and good luck coordinating with your partner. The amount of rules and formulas you'd need to set up makes it a nightmare when it got complex. That's one of the main reasons we created our own purpose-built solution as well.
Can my partner see my cards?+
That's another reason we built CardGenius! Household coordination is painful and requires a lot of work.
You can invite other users to join your household and work on the card tracking and benefit tracking together. CardGenius is specifically designed for multi-user households.
How do notifications work?+
We send friendly alerts before benefits expire. You control whether you want to be reminded. More notification options and features will be coming soon.
Can I track my award travel redemptions?+
Yes! Log your award flights, hotel stays, and other points redemptions. We automatically calculate your cents-per-point (CPP) value so you can see how much value you're getting from your points.
Track redemptions by year, program, airline, and cabin class. See your travel insights at a glance.
How do you handle all different benefit fineprints?+
This was one of the most frustrating parts and a main reason we built CardGenius. We track the correct reset schedule for each benefit automatically. Some credits reset on January 1st (calendar year), others on your card anniversary (membership year), and some follow statement periods. You tell us when you got the card, we handle the rest.
What if I have more questions?+
Reach out at [email protected]. We usually respond within 48 hours. If something's not working or you have a feature request, let me know.