The fine print, in big print.
Every credit and perk on 187 U.S. credit cards, when each one resets, and a free app that reminds you before they expire.
What your card pays you back
Statement credits a year, before points, lounges or free nights.
Know before you apply
Credits to use before December 31
85 credits that reset on January 1, card by card, so nothing expires unused.
Read the guide →The Chase 5/24 rule, explained
What counts toward 5/24, what doesn’t, and the day each card drops off your count.
Read the guide →Do the credits cover the annual fee?
32 premium cards ranked by credits minus annual fee, and the catch with monthly credits.
Read the guide →Every bank’s application rules
Amex 2/90, Citi 1/8, Bank of America 2/3/4 and the rest, in plain English.
Read the guide →Credits you have to activate first
136 credits that pay nothing until you enroll, with how to switch on each one.
Read the guide →Cards that pay for Global Entry and TSA PreCheck
38 cards with a Global Entry or TSA PreCheck fee credit, sorted by annual fee.
Read the guide →Stop leaving credits on the table
Premium cards pay out through dozens of small credits, and most of them expire unused. Premium IC keeps track for you.
- Every credit on your cards, with a checkbox for each month, quarter or year
- A notification on your phone before a credit expires
- Chase 5/24 and other banks’ application limits, counted for you
- Whether each card earned back its annual fee this year
Not sure which card is next?
Add your cards in the free Premium IC app and ask for a personal recommendation, with the best offer we can find.