THE JOURNAL
Head-to-head comparisons of every app in this category, and guides to the credits you have already paid for. We make OfferBee, so we say where other apps beat us, and every claim about a competitor carries the date we last checked it.
ALL COMPARISONS RE-VERIFIED SEP 8, 2026
NO BANK LOGIN · TRACKED MANUALLY
Build a ten-minute spreadsheet for statement credits with working reset formulas for all five cadences. Includes columns, a filled example, and where the method breaks.
What Plaid actually does, what read-only access can and cannot see, what we do with the data at OfferBee, and the honest reasons some people should decline.
"Annual" means two different things on the same credit card, and that ambiguity is why people miss statement credits. The six cycle shapes, quoted from issuer terms, and how to hold them.
The Amex Gold's $424 of credits arrive in $7 and $10 slices across 38 separate windows a year. Every amount, cycle, enrollment step and reset date, from Amex's own pages.
The Reserve's $300 travel credit runs on your account anniversary while everything else runs on the calendar. Every 2026 credit, what qualifies, and the exact reset dates.
The refreshed Platinum carries eleven recurring credits on five different clocks and seven of them need enrollment. Every amount, cycle and reset date, read off Amex's own pages.
CardPointers is $90/yr and never takes your bank login. MaxRewards is cheaper and auto-activates Discover Deals too, but needs account access. A head-to-head on offers, credits, price and privacy.
CardStack is iOS-only and CardStack+ is $89.99/yr. Five alternatives compared on automatic credit detection, Android support, free tiers and price.