Weekend Wisdom: Tracking Matters


In October I signed an LLC up for Brex using their TravelBank partner landing page (no, I don’t have a TravelBank account). The sign-up bonus through that link is 75,000 points for spending $1,000 in 30 days, which I knocked out within 24 hours of funding. Side note: You can get another 20,000 points easily by linking PayPal to Brex as your “payroll provider”, which I also did.

On Monday of this week I was looking at the “Bank Bonuses” section of my manufactured spend tracking Google Sheet and saw that 60 days had passed since signing up for the account and meeting the terms of the bonus, so I logged on to the account to make sure that the 75,000 points had posted. Spoiler alert: They hadn’t.

I double checked the landing page’s sign-up bonus terms and also that I had spent $1,000 in the first 30 days, then chatted with Brex using their live chat. It took about 10 minutes, but the support representative confirmed that I met the terms of the offer and said the points would post in 24 hours. Several hours later, I got an email notifying me that the points were in my account. There isn’t more to the story: the points were indeed in my account. Brex’s support had the meatball.


If I didn’t have at least a tiny sliver of tracking, I probably would have forgotten that the bonus should have posted because between then and now I’ve done a dozen other sign-up or spend bonuses and it’s easy to let one slip through the cracks. It would have cost me 75,000 Brex points, which is worth at least $750 and potentially quite a bit more with mileage transfer partners.

Tracking might sound daunting, but it doesn’t have to be. Here’s what I tracked on my “Bank Bonuses” tab of the spreadsheet:

  • Account open date (October something, 2021)
  • Target (Brex)
  • Sign-up bonus terms (75,000 points after $1,000 spend in 30 days)
  • Bonus received? (No)

What’s your point, MEAB?

Make sure you’ve got at least basic tracking in some form for sign-up bonuses so you’re not letting money slip through the cracks. It’s surprisingly easy in this game to have a $500 gift card sitting on your desk that you forgot about, a spend bonus that didn’t post, a BestBuy gift card sitting in a stack that was never entered into anything, a gift card email that you marked as read and never saw again, or some other mishap. Please do at least the minimum necessary to make sure that doesn’t happen to you.

If you’re not sure where to start, The Daily Churn Podcast recently posted an episode on credit card tracking along with their Google Sheets template. If you don’t have something like that, perhaps make a copy and start your own? It could mean an extra $750 to spend on your favorite stock, or I guess you could buy 750 Arby’s Roast Beef Sandwiches if they’re running a 5 for $5 special, but that might also be your last weekend on Earth after your massive heart attack, so, ymmv.

Have a great weekend!

You don’t have to track 750 of these “beauties” to know what you’re getting.

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