My 2026 Benefit Tracker
Make every benefit count.
Enter what you actually used. Your tracker saves automatically on this device.
✦ Personal to you
Potential value
$2,190+
Captured
$0
Left to use
$2,190
Effective fee
$795
Net value
-$795
Start logging benefits to see when you've beaten your effective annual fee.
Right now
Your next moves
$
Log this month's creditsLyft, DoorDash and Peloton
⌂
Update twice-a-year creditsHotel, dining and tickets
♛
Check $75K progressEnter eligible spend to see what's left
Money check
$2,190
still on the table
As you log benefits, this number drops. The goal is beautifully boring: $0.
At a glance
Your benefit year
Don't forget this one
Retention bonus = lower effective fee
If Chase gives you a retention offer, log the cash value here. A $100 retention bonus turns a $795 fee into a $695 effective fee, which is the number your scorecard should actually beat.
Use it or lose it
Monthly Credits
Check each credit after you've actually used it.
Used this month$0 / $45
Jan–Jun • Jul–Dec
Twice-a-Year Credits
Log each actual stay, dinner or event. The totals calculate themselves because arithmetic is not a luxury experience.
Once a year
Annual Credits
Real cost of keeping the card
Annual Fee & Retention Bonus
Use the actual fee charged to you. Then enter any retention value you received. If the offer was points, enter the value you personally want to assign to those points.
Annual fee charged
$
Retention bonus value
$
Effective annual fee
$795
Your break-even point
$795
Capture this much value and you've covered your effective fee.
Current net value
-$795
Captured benefits minus effective annual fee.
Unlock more
The $75K Spend Club
These benefits stay locked until your eligible-spend tracker reaches $75,000.
🔒 Locked
$75,000 to unlock
🔒 $75K benefits locked
Keep updating eligible spend. At $75,000 this section unlocks automatically and turns green.
🔒 LOCKED
World of Hyatt Explorist
Link your World of Hyatt account after unlocking.
🔒 LOCKED
IHG One Rewards Diamond Elite
$75K upgrade to Diamond Elite • base-card IHG benefit is Platinum Elite when linked.
🔒 LOCKED
$0 / $500$500 Southwest Chase Travel Credit
How to use: prepaid Southwest through Chase Travel. Log each booking until you've used the full $500.
🔒 LOCKED
$0 / $250$250 The Shops at Chase Credit
How to use: eligible Shops at Chase purchases; credit is applied automatically. Log purchases until you've used $250.
🔒 LOCKED
Southwest Rapid Rewards A-List
Link your Rapid Rewards account; allow 10–15 days.
One-time setup
Set it up once. Benefit all year.
Don't forget these
Perks & Protections
Print / Save as PDF gives you the whole tracker on paper, filled in or blank. Download my summary gives you a spreadsheet of everything you claimed — opens in Excel, Numbers or Google Sheets. Save a backup file is for moving your tracker to another browser or device; it is not meant to be read.
Crazy4Points • 2026 personal benefit tracker. Benefits change. Confirm current terms with Chase. Not affiliated with Chase. This standalone prototype saves entries in your browser's local storage; the production Crazy4Points version should save per signed-in user in your database.