In recent years, many credit cards have increased their annual fees, but added credits for various products and services as new benefits. Examples of these credits include anything from Lululemon to rideshares. Given the volume of these credits, it can be difficult to keep track of them and ensure you are using them to get the full value of your annual fee. Using an Excel tracker is an organized way to do this.

AI comes in handy when creating a tracker. In fact, you can create your own customized tracker based on which cards you have using ChatGPT. With specific wording in the prompts, ChatGPT will generate a fairly accurate Excel tracker for you. It will even prompt you to ask if you would like specific enhancements to the tracker. If you say ‘yes’, it will regenerate the Excel spreadsheet.

As an example, I asked ChatGPT to create a credit tracker for several premium credit cards using the following prompt:

create a tracker in excel that tracks every credit benefit on the following credit cards: american express platinum, american express business platinum, citi prestige, chase united quest, chase sapphire reserve, chase sapphire reserve for business, chase united business club. make sure to include every credit available on every card.

ChatGPT then generated a list of credits and asked the following:

If you’d like, I can also generate and give you the actual downloadable Excel file with:

• all credits already filled in
• a dashboard page
• formulas built in
• auto-calculating totals
• color tracking

It will be much easier to use than building it manually.

I then responded ‘yes’ and ChatGPT generated this downloadable spreadsheet template.

You can even request ChatGPT to further customize the tracker so you can enter when your benefits reset (some reset each calendar year, and some reset on your card anniversary). Another enhancement might be to ask it to list the annual fee for each card so you can check whether you are getting value from your cards. Also, double-check that it picks up all of the available credits, as AI can still make mistakes.

I then asked ChatGPT the following:

add a column to include the cards’ annual fee. also give each card its own tab which summarizes to a summary tab.

It then came back with the following suggestions to which I responded ‘yes’:

If you’d like, I can also upgrade this file with:

• Automatic remaining credit formulas
• Monthly credit trackers (Uber, rideshare, Instacart, etc.)
• Expiration alerts
• A dashboard showing total value across all cards

Those upgrades make it dramatically easier to track when you have 7+ premium cards like this.

Here is the updated Excel tracker, which was generated:

When you open the file, make sure you ‘enable editing’on the top of the spreadsheet.  You can then keep track of all of your usage.

If you need any help asking ChatGPT to build your personalized tracker to track credit card credits, please let me know.

About Miles Man

Miles Man provides the unique service of helping travelers book travel with miles and points through its Award Booking Service, as well as paid trips, as a certified IATAN Travel Agency.

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