Tools we use on our own portfolio.
Some are free. Some are paid. All of them are the same templates and references we built to manage our own credit-card portfolio, bank bonuses, gift cards, and budget. Buy the ones you need, or take the bundle and skip the math.
Start here.
All free, all the time. The Credit Card Portfolio Tracker is the foundation — get it the moment you subscribe to The Dispatch.
The Credit Card Portfolio Tracker
Our flagship spreadsheet. Track every personal and business card, manage your Chase 5/24 status, schedule annual fee renewals, and value your points balance — all automatically calculated.
Delivered free in your Substack welcome email.
Subscribe to get itThe YouTube channel
Step-by-step walkthroughs, trip teardowns, transfer-bonus explainers, and the occasional credit-card review. Posted weekly.
Watch on YouTubeThe Dispatch Newsletter
Live transfer bonuses, sweet-spot redemptions, and the occasional rant about devaluations. Free. Unsubscribe whenever.
Read & subscribeSocial media
Quick alerts, sweet-spot reminders, and behind-the-scenes from current trips. On Instagram, TikTok, X, and Facebook.
Follow @theawardreserveThe Master Transfer-Partner Reference.
The exact sheet we keep open in another tab while building strategies for clients. Every major bank → airline / hotel transfer ratio, transfer time, and partner alliance — all in one place.
- Every transferable currency (Chase UR, Amex MR, Capital One, Citi, Bilt, Wells Fargo)
- Transfer ratio and average transfer time per partner
- Direct links to each partner's award chart
- Updated when transfer bonuses launch
View-only access. Make your own copy to edit (File → Make a copy in Google Sheets).
Subscribe — the link to the master sheet lands in your welcome email.
Paid tools worth their cost.
The same six trackers we run our own operation on. Buy individually for $9 each — or take the bundle and we'll throw in our $19 Budget Spreadsheet for free.
The Full Toolkit Bundle
Six trackers + our premium Budget Spreadsheet. Get the Budget free when you bundle.
Save $44 versus buying everything separately. The Budget Spreadsheet ($19) is included free.
Single tools, $9 each.
Already have a system for one category? Just buy the tools you actually need.
Bank Bonus Tracker
Track every bank account opening bonus — direct deposit requirements, bonus amounts, holding periods, and the auto-calculated date you can reopen each account.
Buying Groups Tracker
Log every buying-group order, US Mint coin deal, and resale — purchase price, payout, gain/loss, card used. Includes a separate US Mint sheet.
Gift Cards Tracker
Track every gift-card resale deal — code, PIN, face value, cost, payout, gain/loss, card used. Built for serious churners who do volume.
CPP Calculator
Drop in a redemption — cash price, taxes, points required — and instantly know if it beats your benchmark. Includes a full benchmark table for every major program.
Annual Fee ROI Calculator
Decide before each renewal: keep, downgrade, or cancel. Plug in credits used, perks value, and the annual fee to see your actual net ROI.
Cash vs Points Calculator
For any flight or hotel booking, compare paying cash against burning points based on YOUR target CPP. Tells you which decision is mathematically right.
The Forever Family Budget
Our most comprehensive single spreadsheet — twelve-month income, investments, expenses, savings, credit cards, and bank balances, all in one workbook. Built for couples and families managing real money across cards, accounts, and goals.
- Monthly income, savings, and expenses by category
- 401k / Roth / HSA / brokerage tracking
- Per-credit-card annual fee renewal calendar
- Bank & investment account ledger
- Auto-totaling deficit / surplus dashboard
New tools, new redemptions.
Bundle buyers get every future tool release for free. Subscribers get advance notice on what's coming.