Never let a card credit quietly expire.
Credit Cadence shows what's left on every statement credit, when it resets, and what your annual fee actually got you. No bank login. No card numbers.
in Amex Platinum credits that reset between today and December 31 if they go unused.
credits across four cards, each checked against the issuer's own page.
bank logins, card numbers or transactions. Ever.
Your card and theirs
Five minutes on the sofa. Every credit for the year, sorted.
Add both of your cards side by side — each with its own reset dates, its own reminders and its own keep-or-cancel numbers.
What's riding on your cards
Premium cards pay you back in tiny, expiring pieces.
A $15 credit here, $100 a quarter there, a hotel credit that resets every six months. Tap the cards in your wallet.
Tap a card to add it. Tap again to remove it. Pick as many as you have.
That's 12 credits on 51 deadlines a year. Your fees only pay off if you actually use them.
How it works
Set up in about five minutes.
Pick your cards
Start from a verified template — every credit, amount and reset rule is filled in. Or add any card yourself.
Log what you use
One tap per credit, with what it was really worth to you. Refunds and partial uses just work.
Get reminded
Add every reset to your own calendar, with a nudge a week and a day before each one runs out.
What it looks like
One credit, saved.
Here's a single Resy credit, three days from disappearing.
Resy's $100 for the quarter is untouched, and it disappears on Dec 31. Credit Cadence puts it at the top, and with reminders on you got an email two weeks ago and another today.
One tap after the meal. Logged more than what's left? It counts what the issuer will actually pay.
The balance updates, the next Resy period starts Jan 1, and $100 goes into this card's keep-or-cancel total against its annual fee.
Free demo · no account
Try it with a sample card.
It starts with a made-up example card. Add your own card to see its credits, log one you've used, or check if it pays its fee. Nothing you type here leaves your browser, and it clears when you close the tab.
Built for the credits, not the clutter
Everything you need. Nothing you don't.
What's left, sorted by deadline
The next credit to lapse is always at the top, with exactly how much is left and how many days you have.
Every kind of reset
Monthly, quarterly, half-yearly, calendar-year and card-year credits, plus the every-four-years Global Entry kind.
Face value vs. worth to you
A $25 streaming credit you'd never pay for isn't worth $25. Log both and the fee maths stays honest.
Keep-or-cancel, before the fee posts
See whether a card earned its fee for you this card year, in your own numbers.
Reminders in your calendar
Download the next 12 months of resets into Apple, Google or Outlook Calendar — download again after adding cards. Or turn on email reminders.
Sourced and dated
Every template links to the issuer's benefits page and shows when we last checked it.
The honest comparison
Why not a free spreadsheet?
A good spreadsheet is free and endlessly flexible, and if you enjoy keeping one up to date, it's a fine choice. Credit Cadence is for people who'd rather not work out reset dates, re-check issuer pages or remember to look.
| Free spreadsheet | Credit Cadence | |
|---|---|---|
| Price | Free | $29.99 once |
| Every reset date | You work them out | Calculated for you: monthly, quarterly, half-yearly, card anniversary, every 4 years |
| What's left right now | Your own formulas | Shown on every credit, sorted by deadline |
| Reminders | Only if you set them up | Email before each reset, plus a calendar file |
| When issuers change benefits | You notice and edit the sheet | Templates re-checked and dated; updates for 12 months |
| Worth to you vs. the fee | If you build it | Built in, per card |
| On your phone | Spreadsheet on a small screen | Made for it |
| Customise anything | Completely | Add any card or credit; less freedom than a sheet |
Privacy
What we store, plainly.
Credit Cadence runs in your browser and keeps your cards and everything you log on your device. Stripe handles payment. If — and only if — you ask for email reminders or the free checklist, we keep your email and which cards you hold, so we can tell you before credits reset.
Template sources
Checked against the issuer. Dated.
Benefits change. Each template links to the page we read it from and the day we last checked.
| Card | Credits | Annual fee | Last checked | Source |
|---|---|---|---|---|
| Amex Platinum | 12 | $895 | Nov 8, 2026 | americanexpress.com |
| Amex Gold | 4 | $325 | Nov 8, 2026 | americanexpress.com |
| Sapphire Reserve | 7 | $795 | Nov 8, 2026 | creditcards.chase.com |
| Venture X | 2 | $395 | Nov 8, 2026 | capitalone.com |
Pricing
One price. No subscription.
Subscription credit trackers charge up to $99.99 a year. This is one payment — less than a single quarter of the Resy credit on an Amex Platinum.
- The full app — every card, every credit, sorted by deadline
- Amex Platinum, Amex Gold, Sapphire Reserve and Venture X templates, plus any card you add
- Calendar reminders a week and a day before each reset
- Keep-or-cancel summary in your own numbers
- Template updates for 12 months when issuers change benefits
Sold by SIA ONEZERO (Riga, Latvia), the name you'll see at checkout; your statement reads ONEZERO* CREDITCADENCE. Payment is handled by Stripe — we never see your card details. 14-day refund, no questions asked.
Questions
Does it connect to my bank?
No. You log what you use yourself — one tap per credit. That's the trade for never handing an app your bank login, and it's why there's nothing to re-link when your bank changes its security.
Why pay when free spreadsheets exist?
A sheet is a list. Credit Cadence works out every reset date for you — monthly, quarterly, half-yearly, card-year — sorts them by deadline, reminds you before they lapse, and tracks what each credit was really worth to you. Try the demo and decide.
Which cards are supported?
Amex Platinum, Amex Gold, Sapphire Reserve, Venture X have ready-made templates. You can add any other card and its credits yourself in under a minute.
Where is my data stored?
In your browser, on your device — what you've used never leaves it. If you turn on email reminders, your email, card names, anniversaries and time zone go to our email provider so we can warn you before resets; turn it off any time. Never card numbers. Download a backup to move to another device, and unlock a new device with your checkout email.
Will it tell me whether to cancel a card?
It shows your own numbers: what's been credited, what it was worth to you, and the fee. The decision is yours — this isn't financial advice.
What if a card's benefits change?
Templates are updated for 12 months after you buy, and each one shows the date it was last checked against the issuer's page.
Is this made by Amex, Chase or Capital One?
No. Credit Cadence is independent and not affiliated with, endorsed or sponsored by any card issuer.
Who am I buying from?
SIA ONEZERO, a company in Riga, Latvia, which builds and runs Credit Cadence. That's the name on the Stripe checkout page; your card statement shows ONEZERO* CREDITCADENCE.
What if it's not for me?
Email us within 14 days for a full refund. No questions asked.