Passport and tickets on a laptop

Not financial advice. Program rules change, so check the official page before you transfer or book. Drafted with AI assistance and reviewed by Kevin.

The tracker in this post is PointsPlot's own free template. I made it, so I'm biased.

Most people don't lose points by doing something wrong. They lose them by forgetting they had them.

Why balances get lost

You open an airline account for one trip, a hotel account for another, and a card or two along the way. A few years later you have balances scattered across a dozen logins, and some programs expire points after a stretch of inactivity. Aeroplan, for example, says points expire after 18 months with no activity (Aeroplan).

What to track

For each program:

  • Balance and the date you last checked it
  • Expiration rule or last activity date
  • Which banks transfer in
  • The goal those points are for

Spreadsheet vs. Notion vs. apps

  • Spreadsheet: fast and free, but easy to let go stale.
  • Notion: works like a spreadsheet with views, so you can sort by "expiring soon" or by goal.
  • Apps: some sync balances for you, but you're handing over logins and relying on their coverage.

I use Notion because I already plan trips there.

Setting up the free tracker

  1. Open the Starter Points Tracker and duplicate it into your Notion.
  2. Add one row per program.
  3. Fill in balances and expiration rules.
  4. Add your first goal trip.

Using an AI prompt on your balances

Once your balances are in one place, you can paste them into an AI assistant and ask something like: "Here are my points balances. Which programs could get me to Tokyo in business class, and what would I still need?" Treat the answer as a starting point and check every claim on the program's own site.

The monthly 10-minute review

Once a month: update balances, check anything close to expiring, and note any new goal. That's it.

Sources

All guides