Track every premium card credit before it expires

Pointsmiths tracks 39 recurring credits across 8 premium cards — Sapphire Reserve, Amex Platinum, Hilton Aspire — and tells you exactly what expires next.

Start with what expires next

What Pointsmiths does

Pointsmiths is a free tracker for the recurring statement credits on premium credit cards. Cards like the Chase Sapphire Reserve and the Amex Platinum justify their annual fees with a stack of credits — but the credits arrive on different calendars, reset without warning, and quietly expire when a window closes. Pointsmiths puts all 39 tracked credits across 8 cards on one timeline: mark what you have used, see what is still on the table, and catch what is about to expire before the deadline instead of after it.

Every credit page explains the same three things — what the credit covers, when the current window closes, and the common ways cardholders lose it — sourced from the issuer's own terms. Used in full, the 38 live credits in the catalog are worth up to $6,555 per year.

How credit resets work

Almost every premium-card credit is use-it-or-lose-it inside a fixed window, and the windows follow the calendar: monthly credits close at the end of each month, quarterly credits on March 31, June 30, September 30 and December 31, semiannual credits on June 30 and December 31, and annual credits on December 31. Unused value does not roll over. Of the 38 live credits tracked today, the cadence split is 13 monthly, 3 quarterly, 4 semiannual, 14 annual, 4 ongoing (no reset). The expiring view watches the next 45 days of those deadlines so you do not have to.

Most-read benefit guides

Coverage, card by card

Hotels and dining that pair with the credits

Two of the biggest credits are easiest to use with a directory in hand. The hotel guide lists all 1436 properties bookable through The Edit by Chase Travel — each page shows which card credits can pay toward a stay there. The dining guide covers 403 Chase Dining restaurants, with city guides for:

Updated 2026-07-12