Everything you need to know about maximizing your credit card benefits
Simply select the cards you own from our comprehensive database. We'll automatically track all recurring benefits (monthly dining credits, quarterly credits, annual benefits) and send you notifications at key moments: when benefits reset, at the halfway point, and before they expire.
Unlike static calendar events, we automatically adjust for benefit reset dates, handle complex cycles (calendar month vs statement month), track usage across cards, and provide actionable insights. Plus, manage everything in one place instead of cluttering your calendar.
All recurring credits: monthly dining (Amex Gold/Platinum), quarterly credits (US Bank, Citi), annual travel credits (CSR, Amex Platinum), monthly digital credits, rideshare credits, and any benefit with an expiration date.
Monthly licenses auto-renew every 30 days. 6-month licenses are charged as a one-time payment upfront and auto-renew after 6 months. All licenses include a 14-day free trial - you won't be charged until the trial ends. Payment is processed securely through Stripe.
We accept all major credit cards, debit cards, Apple Pay, and Google Pay through our secure payment processor Stripe. All transactions are encrypted and PCI compliant.
Access your billing portal anytime from your Profile page. There you can update payment methods, download invoices, switch licenses, or cancel auto-renewal. Your license remains valid until the end of the current period.
Yes! You can switch licenses anytime. If upgrading from monthly to 6-month, we'll prorate your remaining monthly balance. If switching to monthly, you'll keep your current license until it expires, then auto-renew on the monthly license.
Cancel auto-renewal anytime with no questions asked. You'll maintain access until the end of your current license period. Your tracking data is preserved if you decide to purchase a new license later.
Free licenses can manually track up to 3 cards. Pro license holders can track unlimited cards with automatic notifications and advanced analytics - perfect for enthusiasts managing 10+ pro cards.
View your benefit usage rate, total value vs. available, upcoming expirations, and usage trends over time. See which cards provide the most value and identify optimization opportunities across your entire portfolio.
Customize notifications for each benefit: turn them on/off, choose timing preferences, and receive digest emails that consolidate multiple notifications. You're always in control of what you receive.
Yes! Pro license holders can export their benefit usage history, statistics, and upcoming expiration data. Perfect for tax purposes or personal finance tracking.
Never. We don't need your card numbers, expiration dates, or CVVs. You simply select which cards you own from our database. Your financial information stays completely private.
We continuously update our database and monitor card issuer changes. While we strive for 100% accuracy, always verify terms with your card issuer as benefits can change. Report any discrepancies and we'll update immediately.
We automatically pull restaurant data from Resy and OpenTable, but we cannot guarantee the completeness, accuracy, or timeliness of all information. Restaurant locations, gift card availability, and partnership status are subject to change without our immediate knowledge. While we make every effort to maintain current information, restaurants may discontinue partnerships, change policies, or cease operations. We regularly update our database, but recommend verifying availability directly with the restaurant or reservation platform before making plans.
Toast e-gift cards are restaurant-specific digital gift cards that can be purchased online and used at participating restaurants. These cards are perfect for using your credit card dining benefits without needing to dine in person. Important: Toast gift cards are issued directly by each individual restaurant, not by Use Your Credits. Gift card availability may vary by location, and each restaurant sets their own terms and conditions for their gift cards.
No. Since Toast e-gift cards are issued directly by each individual restaurant (not by Use Your Credits), you must contact that specific restaurant directly for any issues, changes, or refund requests. We are not able to modify, cancel, or refund gift card purchases on your behalf. Each restaurant has their own policies regarding gift card refunds, balance checks, and customer service. Check your gift card confirmation email for the restaurant's contact information.
We regularly update our restaurant database and strive to maintain current information. However, the dynamic nature of restaurant partnerships and benefit programs means that information may become outdated between updates. Restaurant participation and benefit eligibility may vary, and we encourage you to verify critical information directly with the restaurant or your credit card issuer before taking action. Always check current program terms to ensure the restaurant still participates.
Yes, it's highly recommended to validate that your gift card purchase will count towards your dining credit benefit BEFORE making the purchase. While purchasing gift cards from qualifying restaurants typically triggers the benefit, it's best practice to contact your credit card issuer to confirm the specific restaurant and purchase method will qualify. Some issuers may have specific requirements or restrictions. Make sure you enroll in the benefit at least one day before making a purchase to ensure your transaction qualifies.
Sometimes! Many restaurant groups accept gift cards across multiple locations in their family of restaurants. For example, a gift card purchased at one restaurant might also be accepted at their sister restaurants under the same ownership. However, this varies by restaurant group and their specific policies. We recommend calling the restaurant directly to ask if they accept gift cards from their sister locations - you may discover additional places to use your gift card that aren't immediately obvious. This can be especially useful if you're trying to use up gift card balances across a restaurant group.