Tracking spend credits

Simulated data

The screenshots and data shown in this guide use simulated test data. Card benefits, credit amounts, and dollar values are examples and may not match your issuer’s current offers. Always verify terms and remaining credits with your card issuer before acting.

Spend credits are statement credits, in-app cash, and spend pools. Benefits gives you several capture controls depending on size and cadence. This guide covers every capture variant so you know which UI you’ll see.

Capture variants at a glance

Variant	When you see it	What you do
Check	Small fixed credits (under about $25 potential), memberships, discrete consumables	Tap the square to mark fully used
Slider	Larger pools (about $25 and up), not monthly installments	Dial a partial or full amount
Monthly pills	Credits that reset each calendar month	Tap a month letter; optional Always count open months
Quarterly pills	Q1–Q4 installments	Tap an open quarter
Semiannual H1/H2	Twice-a-year halves (Jan–Jun / Jul–Dec)	Tap H1 or H2; drawer for amounts ≥ ~$25
Expired overwrite	Window closed unused	I used this / I used it after all, or Won’t claim it
Hide	Any non-passive credit you don’t want tracked	Eye control → confirm → Hidden

Check-off (binary)

For one-time and small annual credits (Global Entry, CLEAR-style memberships, and similar):

1. Open Benefits → find the card under Needs you
2. Tap the empty square to mark the full amount used
3. Tap again if you need to clear it

Spend pool slider

Larger annual or one-time pools use a slider (and amount field) so you can log partial capture. Examples: Venture X $300 travel credit, Annual Bilt Cash $200, CSR Edit hotel credit.

• Move the slider (or type dollars) to what actually posted
• When the captured amount reaches the pool, the row counts as fully used
• Monthly credits never use this full-year slider — they use period pills instead

Period series

Installment credits collapse into a period series with pills:

Series	Pills	Examples
Monthly	J–D (12 months)	Amex Gold Uber Cash; Plat entertainment
Quarterly	Q1–Q4	Plat Resy; some airline credits
Semiannual	H1 / H2	Bilt Travel Hotel Credit; Plat hotel $300×2

• Open pill — tap to mark used (small amounts) or open a drawer with amount/slider
• Upcoming — future half/quarter not chaseable yet (also listed under Upcoming on the card)
• Closed unclaimed — expired half; overwrite or won’t-claim from the drawer

Semiannual (H1 / H2) deep dive

Twice-a-year credits are the usual shape for Bilt Travel Hotel Credit ($50+$50 on Obsidian, $200+$200 on Palladium) and several Amex/Chase hotel or dining splits.

• H1 = Jan 1 – Jun 30 · H2 = Jul 1 – Dec 31
• Each half has its own captured amount toward the card’s net-of-fee
• Canonical walkthrough: Bilt credits and capturing

Always count open months

On monthly series only, choose Always count open months if you redeem every open month (Uber Cash, entertainment, and similar). Flyga treats open months as captured without tapping each pill. Use Stop always counting when that stops being true.

Monthly · spend (qualifying purchase)

Some monthly credits show cadence Monthly · spend — you need a qualifying partner purchase each period (certain Lyft / DoorDash promos). Track them the same way as other monthly pills once the promo posts. (Bilt cards do not use this cadence today.)

Expired overwrite and undo

• Partial capture — leave the remainder unused until the window closes
• Expired — closed unused windows stay visible; choose I used this / I used it after all (marks overwritten) or Won’t claim it
• Undo — after mark used, hide, or write-off, an in-place strip offers Undo for a few seconds

Tip

Keep card open and renew dates accurate in Wallet. Anniversary windows and fee timing use those dates.

Next: lounges and passives, or the full Bilt credits tour.