Recurring credits are the easiest benefits to lose
Unlike one-time perks, recurring credits reset automatically on a clock. Miss the window and that month's or quarter's value is gone.
Monthly
Amex Platinum: $15 Uber Cash
Resets on the 1st regardless of whether you used it. That's $180/year at stake.
Quarterly
Amex Gold: $10 Dining Credit (x3)
Resets every three months. Easy to forget which quarter you're in without a tracker.
Annual
Sapphire Reserve: $300 Travel Credit
Resets on your cardmember anniversary. Without a tracker, it's easy to lose track of how much you've used.
Every reset timer in one place, always up to date
MyRewardsVault shows your monthly, quarterly, and annual credits in a unified dashboard. Each benefit displays how much you've used, what's remaining, and exactly when it resets next—so you can act before the clock runs out.
- Color-coded by reset frequency: monthly, quarterly, annual
- Countdown to next reset shown on every benefit card
- Expiration alert sent before unused credits lapse
- Tracks partial usage—see $110 remaining on a $300 annual credit
$15/mo Uber Cash
Amex Platinum
Use by month end
$50 Airline Credit
Capital One Venture X
Resets in 47 days
$200 Hotel Credit
Amex Platinum
$90 remaining
Example: Amex Platinum recurring credits
The Platinum packs in recurring credits on three different schedules. Here's how MyRewardsVault handles them all.
The American Express Platinum card carries a $895 annual fee and includes recurring credits at every interval: a $15/month Uber Cash credit (plus $20 in December), a $50 semi-annual Saks Fifth Avenue credit, a $200/year airline fee credit, a $200/year hotel credit, a $240/year digital entertainment credit ($20/month), and more.
Remembering which month's Uber Cash you've used, whether you're in the first or second Saks window, and how much of your airline credit remains—all at once—is exactly the kind of mental overhead MyRewardsVault eliminates. Add the Platinum once and every credit appears with its own countdown and usage tracker.
$15/mo
Uber Cash tracked
$50 x2
Saks windows
$200/yr
Airline fee credit
$895
Annual fee offset
Built for recurring benefit complexity
Reset date tracking
Know exactly when each credit resets—down to the day. No more guessing whether you're in the first or second half of the year.
Expiration alerts
Get notified before a monthly or quarterly credit lapses unused. Catch the window before it closes.
Calendar-year vs. cardmember-year
Some credits run on calendar year, others on your cardmember anniversary. MyRewardsVault handles both and lets you adjust if needed.
Frequently asked questions
Can I track monthly, quarterly, and annual credits all in one place?
Yes. MyRewardsVault displays all your recurring credits together on one dashboard, regardless of reset frequency. Monthly credits like Uber Cash, quarterly credits like airline fee reimbursements, and annual credits like hotel statement credits all appear side by side with their next reset date clearly shown.
How do recurring benefits reset in the tracker?
MyRewardsVault calculates reset dates based on each benefit's schedule. Monthly credits typically reset on the 1st of each month or on your statement date. Quarterly credits reset every three months. Annual credits reset on your cardmember anniversary date or on January 1st, depending on the issuer. You can adjust reset dates manually if your card uses a different schedule.
Will MyRewardsVault remind me before a recurring credit expires?
Yes. MyRewardsVault sends expiration alerts before your credits lapse. If you have a monthly credit you haven't used and the reset is approaching, you'll receive a heads-up so you have time to act. This is especially useful for credits that expire at the end of the month if unused.
What's the difference between a monthly and a quarterly credit?
A monthly credit—like the Amex Platinum's $15/month Uber Cash—renews every month. If you don't use it, it resets anyway and you lose that month's value. A quarterly credit—like a $50 airline incidental credit—renews every three months. Both types are tracked in MyRewardsVault with separate timers showing when each resets.
Can I track recurring credits across multiple cards simultaneously?
Yes. Add as many cards as you hold and MyRewardsVault displays all their recurring credits together. You can filter by frequency, card, or benefit category to see everything expiring soon in one view.