Credit Card Management Spreadsheet: Compare, Track, Organize
The Ultimate Credit Card Organizer Template
This free Google Sheets tool was created to help track your credit cards and manage key details in one place. It lets you easily organize information such as card open/close dates, annual fees, credit limits, earning rates, and features and benefits. Plus, it captures sign-up bonus requirements, bonus progress, and first year value estimates. It’s great for a historical view of cards you’ve had, cards you currently have open, and potential new cards you want to compare.
Spreadsheet Details for Comparing & Tracking
✅ Cards & statuses |
✅ Annual fees |
✅ Sign-up bonuses |
✅ Card open dates |
✅ Earning rates |
✅ Bonus requirements |
✅ Card closed dates |
✅ Features & benefits |
✅ Bonus progress |
✅ Chase 5/24 tracker |
✅ 1st year value |
✅ Bonus expiration |
✅ Credit limits |
✅ Card notes |
✅ Bonus spend plan |
Chase 5/24 Tracker, Renewal Reminders, and More
It automatically calculates your Chase 5/24 status to help with new card application rules, and keeps an eye on your upcoming renewals so you can evaluate annual fees. You’ll also find that this template has separate personal and business credit card tabs so you can keep track of each in a single view. This worksheet provides a quick reference for your complete card setup, whether you’ve got a bunch of cards or you’re just getting going.
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Credit Card Management Spreadsheet FAQ
How do I add a new card to the worksheet?
You can either replace any of the sample cards that are already in the template, or you can delete those. You can always use any of the blank rows in the sheet, which are marked with “Add…” prompts to help guide you on the initial information to enter.
Where do I get the credit card information?
You will need to enter your card information manually. Simply reference the card details on the card issuer’s website or app, any physical mailer or advertisement, or specific card details you received for a card you opened. Always take note of the date you applied for a new card, as the bank will not always make this information obvious.
How Do I change the status of a card?
When you are on one of the card tabs (personal or business), see the “Status” column. You can change the status of a card at any time by clicking the dropdown selection: Tentative (for comparing cards), New (for active sign-up bonuses), Open (for ongoing active cards), To be closed (for non-renewal reminders), Closed (for any closed accounts). The row formatting will update automatically.
What is the Chase 5/24 rule?
Chase 5/24 is an application rule based on the number of personal cards you have opened with any card issuer within the last 24 months. Opening business cards does not count toward your 5/24 status, but Chase will deny personal or business applications when your status is 5/24 or higher.
What information is required for spreadsheet automation?
In order for certain formulas in the spreadsheet to work, the following information is required: Card issuer, Card name, Card status, Open date, and Annual fee. All other card detail fields provided are for reference, comparison, and tracking.
Is there an Excel spreadsheet version?
No, we didn’t create this spreadsheet in Microsoft Excel. We focused on creating a Google Sheets version only because anyone can have access to it from anywhere.