Points and miles are real money — and the easiest money to lose. They sit in a dozen programs, each with its own balance, its own expiration rule, and its own quiet way of slipping away when you forget it’s there. The Travel Points & Miles Rewards Tracker doesn’t earn you more points; it keeps you from losing the ones you’ve already got, and helps you actually spend them on the trips you were saving for.
It puts every balance in one owned file — airline miles, hotel points, and credit-card rewards — with an estimated value, a countdown to each expiration, and a flag on anything about to lapse.
New to tracking rewards this way? Get the free rewards-balances starter — a single tab for your balances and expirations — then upgrade here for the award-goal tracker, the card-fee calendar, and the dashboard.
What does the tracker do?
It runs across five connected tabs:
- Rewards Balances — every airline, hotel, and card balance by program and account. Enter the balance, the expiration date, and roughly what a point is worth to you, and the tracker estimates the value, counts down to each expiration, and flags anything about to lapse — Active, Expiring soon, Expired, or No expiry.
- Award Goals — the trips you’re saving for. Set the points a flight or hotel night needs and pick the program, and the tracker pulls your current balance, works out the gap and the progress, and flags the goals you’ve reached.
- Card Fee & Benefit Calendar — your travel cards and whether each earns its annual fee. Enter the fee, when it’s due, and the value of the perks you actually use, and the tracker counts down to each renewal and gives a verdict: Worth keeping, Break-even, or Reconsider.
- Dashboard — total estimated value, balances by type, points expiring soon, goals in progress, and fees coming due, all pulled live.
Plus three plain-English PDF guides — a Start Here guide, a points-value-and-expiration guide, and printable rewards sheets.
Never lose points to expiration
The most painful way to lose points is the most avoidable: letting them expire. Every program has a rule, most give plenty of warning, and this tracker turns that warning into something you actually see. The Rewards Balances tab counts down to each expiration and flags anything within 90 days as Expiring soon — and anything past its date as Expired, so you learn the lesson once. When a balance is tied to inactivity, a little activity often resets the clock; the flag is your prompt to act before the date, not after.
Why an owned tracker, not a points app?
A points-tracking app shows your balances on its terms — sometimes behind a subscription, sometimes selling your travel data. A dozen program apps each show only their slice, and none warn you across programs. This is the owned middle ground: one connected file with every balance, value, expiration, goal, and card fee together — structure you keep, private to you. Buy once; you don’t even need to store logins.
Who is it for?
- Anyone with points spread across programs who’s lost track of what they have and when it expires.
- Occasional travelers with a few balances they’d hate to see lapse.
- Points-and-miles enthusiasts who want their balances, goals, and card fees in one owned file.
- Households pooling rewards toward a big trip.
Works in Excel, Google Sheets, and LibreOffice
It’s a workbook, not “Excel only.” Open the .xlsx in Excel or LibreOffice Calc, or click the included link and choose Make a copy for a native Google Sheet — nothing to import.
A tracker — not financial or travel advice
This is a personal tracker, not financial or travel advice, and not affiliated with or endorsed by any airline, hotel, card issuer, or loyalty program. Expiration rules, award prices, point values, and card terms are set by each program and change often, so the figures here are your own estimates — confirm the real ones with the program before you count on them. The estimated value is a rough guide, not a quote. The example programs, balances, and card perks are fictional and illustrative. You don’t need to store logins or full account numbers.
