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One of my fellow miles and points bloggers (and fellow Texan!), Geoff from Noobtraveler reached out to me about his new product, Card Watchdog. Card Watchdog is designed for those who have multiple credit cards to track (sound familiar?). I frequently get emails and question from fellow rewards cards junkies who want a good system to track their credit cards, minimum spending requirements, application dates, annual fees, etc. You can track all of this on your own with a spreadsheet or you can check out this new tool. Card Watchdog was the first runner-up at Launchpoint – a competition held at FTU for start-ups in the frequent traveler space and here is some additional info about it, straight from Noobtraveler!
Card Watchdog takes the pain out of managing your rewards credit cards. And we all know that managing application dates, annual fees, minimum spend requirements, and unique benefits for multiple credit cards can be a pain. So after hearing from readers for over a year that they wanted something other than Excel to manage their cards, I thought it was time for something different, too.
Like them, I was tired of Excel spreadsheets and wanted something intuitive to bring some organization to this rewards card life. God knows it was time to update our archaic way of managing all of our credit cards.
Card Watchdog makes it easy. You can sign up and enter your first card in under 30 seconds. Once your cards are entered, Card Watchdog will send you an email notification 11 months from your application date, reminding you that you have an annual fee coming up. You can also set up reminders for when your minimum spend requirements are due, and any other customized reminders that you can conjure up.
The user interface is super simple. You can create an account instantly by using your Facebook or Google log-in, or you can enter in your email and password. I’m pretty sure everyone has a Facebook account, since my Grandma has one.
Once you sign up, you can log in and start adding cards in seconds. Card Watchdog will never ask for your full credit card number, and it’s completely safe because it’s SSL encrypted.
Start by typing the card’s name you’re adding and you will see your card’s image appear. Click on the card image you’d like to add, and voila! – all the card’s benefits, including the sign-up bonus, APR, and annual fee are automatically added. Easy.
Your job is to enter in the application date so we can send you an email in 11 months alerting you of your upcoming annual fee. The email notification will include the card’s last 4 digits, image of the card, and the phone number you would need to call to cancel, downgrade the card, etc. in case you decide the card no longer meets your needs.
You can also set up any custom reminder you would like. For example, maybe you’d like to be reminded that your introductory APR is about to increase.
After you have all of your cards added, you can rest easy knowing that you’re going to receive your important notifications on time. You’ll then be able to easily reference all of your cards’ details in one place on the “My Cards” page.
If you ever need to know which card to pull out at the grocery store, gas station, or a restaurant, you can quickly go to your “My Cards” page for reference. This can be a huge perk for those busy families always on the go.
The ability to easily set up reminders and quickly reference the details for all of your cards is a huge time saver. The idea is that you can stop freaking out about credit card clutter after adding your cards. Just sit back, and wait for your email reminders.
There are two versions of Card Watchdog: a free version that lets you manage up to 10 cards with email notifications, and the premium version that’s $17 a year and allows you to manage unlimited cards with email AND SMS/text messaging alerts. I encourage folks to start with the free version and try it out. For many people, the free version is all that they need.
I’m constantly thinking of new features to add to the software, because I want it to be the best tool possible for users. The next thing I’m working on is the capability to sync bank accounts with your cards, so you can track your credit card spending in real time. And I have many other features in the development queue!
I’m excited to have launched a product that I needed myself, and my goal is to continue to make it a more beneficial tool for all of us. Try it out, and take the pain out of managing your cards!
Thank you so much to Geoff for taking the time to build a tool that really does meet the needs that many of us have and for sharing the info here at Mommy Points! Feel free to leave questions about Card Watchdog for him in the comments section!