Track Credit Card Benefits & Statement Credits
Use the credits you already pay for.
Every credit on your cards, counted down to the day it resets. No bank connection. You just pick your cards.
New cards and credits added every week. Don’t see yours? Request it →
Free for everyone — Plus is limited at launch. The app is free. Unspent Plus (unlimited cards + family sharing) opens to a set number of people while we scale, so join the list and you’ll be among the first to grab a spot.
Open now: United States, Canada, and Mexico. One more country each week. We keep reading the rest of the world; those countries stay off this site until their week.
Your cards come loaded. Then you forget.
Dining, travel, Uber, monthly credits. Hundreds in value, sitting on each card you hold.
Each one runs on its own clock. There is no single date to remember, so none of them get remembered.
The window closes and the unused value does not roll over. It is just gone, quietly, every month.
It knows which clock each credit is on.
Uber Cash, dining, streaming. Resets on the 1st.
Airline & travel credits, split across the year.
Two windows a year, easy to miss the first.
The big travel and hotel credits, once a year.
Resets on your account anniversary, not Jan 1.
Global Entry, TSA PreCheck, every few years.
Three minutes to set up. Then it counts down for you.
Pick them from the library. Every credit arrives prefilled with its real reset cycle.
One tap when you use a credit. About 90 seconds a month, and nothing of yours leaves your account.
The feed sorts everything by what expires first and flags anything due within seven days.
We never ask for your bank, or your name.
Every other credit card tracker requires Plaid or read access to your bank transactions. Unspent is a privacy-first alternative that works entirely from what you type: the cards you hold and the credits you’ve used. No bank login, and no personal details either. No legal name, no phone number, no home address. You sign in with an email and pick your cards. That is the whole account, and nothing worth stealing if we’re breached.
Stop losing hundreds a year to expired credits. Unspent Plus pays for itself the very first time it reminds you. One flat plan, first month free, no bank logins, ever.
Free $0 | Plus $2.49/mo First month free | |
|---|---|---|
| Cards tracked | 2 | Unlimited |
| Every benefit type, with countdowns | ✓ | ✓ |
| Fee-recovery report | ✓ | ✓ |
| Expiry reminders | ✓ | ✓ |
| Export to JSON, anytime | ✓ | ✓ |
| Share with your household | — | ✓ |
| No bank logins or card numbers | ✓ | ✓ |
Something of yours expires in 21 days.
Get on the list and we’ll tell you what, the day it opens.
Not affiliated with any card issuer. Benefit details are informational. Always confirm with your issuer.