Remembering all of your credit card benefits can be hard, especially when you have a lot of credit cards. Credit cardholders commonly use a spreadsheet or a reminders app on their phone to make sure they use all their benefits.
Spreadsheets take a lot of manual work to keep up, and phone reminders also require you to set each reminder up manually. That's why we are making tracking credit card benefits easier for you.
We created a tool called nextcard Notifs where you get email or text notifications about your credit card benefits + reminders to use them.
TL;DR
- Spreadsheets and phone reminders fall short. They're manual, easy to forget, and require constant upkeep, especially once you have more than a handful of cards.
- nextcard Notifs fixes this with email reminders. Enter your email, select your cards (no card number or bank info needed), and get nudged every couple of weeks about benefits you need to use.
- The benefits most worth tracking: dining credits with expiration dates (like Amex Gold Resy credits), quarterly earning activations (like Discover's 5% cashback categories), and limited-time promos that often go unannounced in your card's app.
- Welcome bonus tracking is coming. nextcard Notifs doesn't yet send reminders for minimum spend deadlines, but it's in the works.
What is nextcard Notifs?
nextcard Notifs is our way of personally reminding you about your credit card benefits. You’ll receive emails or texts every couple of weeks about your credit cards' perks.
The way it works is you enter your email on this page, select your cards (no bank or credit card number info needed), and then double check to make sure nextcard Notifs are showing up in your main inbox or recent texts.
As soon as you complete these three simple steps, you will be on your way to receiving emails about your credit card benefits. Once you've completed onboarding, you'll start getting reminders about your credit card benefits, but you might also find out about some new ones you haven’t heard of!
Honestly, I wish I had nextcard Notifs sooner because then I would have used more of my benefits on the Ink Business Unlimited® Credit Card and Ink Business Cash® Credit Card. There’s one benefit in particular that I was missing out on: Instacart.
I didn’t know for months that both cards offered an Instacart credit monthly along with free Instacart+ for three months. I was able to find out about this benefit when I was rummaging around on Chase’s site but with nextcard Notifs I would have known 6 months sooner when I got the cards!
When we were building nextcard Notifs, we wanted to ensure that users would find use of every notification they receive. Since frequent promos can be annoying and crowd your inbox, nextcard's team makes an effort to ensure that every reminder will be of value and can help our users remember to use a credit or learn about a credit they didn't previously know about.
What are some important credit card benefits I should be keeping track of?
For folks new in the credit card game all the way to people with 50-100 credit cards, tracking credit card benefits can be a bit daunting. Let’s get into some of the most important ones to keep track of.
| Benefit Type | Example | Expires or Resets? | Tracked by nextcard Notifs? |
|---|
| Dining Credits | Amex Gold Resy credit | Yes, resets semi-annually | ✅ Yes |
| Earning Rates | Discover 5% cash back categories | Yes, and quarterly activation is required | ✅ Yes |
|
Dining Credits
It’s important to keep track of all the credits that you get with your credit cards as they help you achieve maximum value. And nextcard Notifs is here to assist.
Take the American Express® Gold Card Resy credits for instance. With the Amex Gold Card, you get up to $50 in Resy statement credits each semi-annual period (up to $100 per year) to use at U.S. Resy restaurants (enrollment required). If you don't use them in time, they are gone just like that.
With nextcard Notifs, you'll be reminded to use and enroll in credits like these before they expire. nextcard also has another tool, MealMaxxer, that can help you get more out of your Amex Resy credits. It's an all-in-one dining rewards map that pulls in restaurants from 11 rewards programs — including Rakuten, Bilt, Sapphire Reserve, InKind, DoorDash Dining Out, and more — into a single view. So if you're looking for a spot that's part of both the Amex Resy program and another dining program you belong to, MealMaxxer makes it easy to filter for exactly that.
Earning Rates
Earning rates are one of your credit cards’ most important features. If you’re taking advantage of high earning rates, it will only add to the earnings you get from other benefits like welcome bonuses.
Discover's 5% Cash back categories is a great example of important earn rates to keep track of. nextcard Notifs will remind you to activate your 5% cash back category every quarter on a card like the Discover it® Student Cash Back (you don't earn 5% cashback until you've activated the category).
Another solid example would be on the Chase Sapphire Reserve® where you can earn 4 points per dollar on flights and hotels booked directly. These earning rates don’t have a timeline but it’s a nice reminder to use this card when booking flights and hotels. Plus, the Chase Sapphire Reserve® has excellent travel insurance and other protections.
Random Benefits/Promotions
Credit cards oftentimes run limited-time promotions that can be really valuable. For example, the Chase Sapphire Preferred® Card and Chase Sapphire Reserve® recently offered a statement credit for Whoop, a wearable fitness tracker and fitness app. This offer was especially valuable for Sapphire Reserve cardholders because they could receive up to $359 back as statement credits. The Whoop credit expired for both cards on May 12, 2026.
nextcard Notifs was the bearer of news for this promotion for a lot of our users! We're hoping you can uncover new benefits that you might have not even been aware of.
Welcome Bonuses
Welcome bonuses are one of the most valuable features to pay attention to when choosing a new credit card. They provide an excellent opportunity to earn a bounty of points, miles, or cash back early on, which can help you get more value from your spending right from the start. For some cardholders, these introductory offers are a key part of deciding to get a card.
Currently, nextcard Notifs does not have a reminder feature for welcome bonuses since we'd have to know exactly when you got the card, but it's something we are working on!
Final Remarks
Keeping track of credit card benefits goes hand in hand with getting the most value on all your credit cards. It can be tedious, time consuming and honestly painful, but with nextcard Notifs the process is much easier. I’d encourage you to monitor your credit card benefits in whatever way you see fit and then use nextcard Notifs as an important supporting tool. It may remind you of benefits that you forgot about or never heard about at all! Or maybe some new benefits on your respective cards.
Frequently Asked Questions
What is nextcard Notifs?
nextcard Notifs is a free email/text reminder tool that keeps you up to date on your credit card benefits. You sign up with your email, pick your cards (no bank login or card number needed), and start receiving emails every couple of weeks with reminders about credits, earning rates, and perks you should be using.
Do I need to share my credit card number or bank info to use nextcard Notifs?
Nope. You just need to make an account with nextcard with your email or phone number and select which credit cards you want to receive reminders for. No credit card numbers, no bank logins, no sensitive financial info, just your cards and your preferred inbox.
Which credit card benefits are the most important to track?
The ones with a hard expiration date are the most urgent. Dining credits like the Amex Gold Resy credit reset on a schedule and disappear if you don't use them in time. Rotating quarterly cashback categories, such as Discover's 5% categories, also need to be activated each quarter before they kick in. Limited-time promotions from issuers are worth watching too, since they're often not announced in your card's app.
How often will I get emails from nextcard Notifs?
You'll receive emails every couple of weeks. The goal is to keep you in the loop without flooding your inbox, just enough to make sure you don't miss something valuable before it expires.
Can nextcard Notifs remind me about my welcome bonus spending deadline?
Not yet, but it's in the works. Welcome bonus reminders require knowing exactly when you opened your card, which adds a layer of complexity. It's on the roadmap, so stay tuned.
What if I have a lot of credit cards? Can I track all of them?
Yes! nextcard Notifs is built for exactly that. Whether you have two cards or twenty, you can select all of them during setup and get reminders across your entire card portfolio in one place.
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