Business Platinum Card from American Express
130,000 MR points
The Spreadsheet I Use to Track My Credit Cards
Share this Article
Business Platinum Card from American Express
- Earn 90,000 MR points upon spending $15,000 in the first three months
- Plus, earn 40,000 MR points upon making a purchase in months 14–17 as a cardholder
- And, earn 1.25x MR points on all purchases
- Also, receive a $200 annual travel credit
- Transfer MR points to Aeroplan and other frequent flyer programs for premium flights
- Unlimited airport lounge access for you and one guest at Priority Pass, Plaza Premium, Centurion, and other lounges
- Credits and rebates for business expenses throughout the year with Amex Offers
- Bonus MR points for referring family and friends
- Qualify for the card as a sole proprietor
- Annual fee: $799
30 Comments
Prince of Travel is the leading resource for using frequent flyer miles, credit card points, and loyalty programs to travel the world at a fraction of the price.
Join our Sunday newsletter below to get weekly updates delivered straight to your inbox.
Have a question? Just ask.
Platinum Membership
Our Platinum members get access to a Circle community, exclusive live learning sessions, and in-person gatherings with like-minded travellers.
Top Offers
Latest News
Prince of Travel Elites
Hey Ricky – any chance of fixing the link?
Really useful: thank you I just added droo down menus for the main financial institutions and points programs. Suggestion: are there common bonuses outside of points, such as companion passes, that are worth tracking lest we forget?
Quite possibly, yes. Look out for a refreshed edition of our spreadsheet coming soon that should have a lot more features (Josh is much more of an Excel whiz than me).
It should be working now!
Hi Ricky, the link is still broken. Can you please fix it? Thank you!
Should be working now.
Link appears to be broken 🙁
Sorry for that, it should be fixed now.
Still not working for me.
Try again now?
Hi Ricky, great column and super-useful. Any reason to/not to track two users in the same spreadsheet? ie., do you keep yours & Jessica’s together, or in a separate spreadsheet? Thanks, Patti
I find it more useful to keep track of different individuals in separate tabs in order to assess each person’s credit history independently. This way I can see my own oldest credit account, how many Amex cards I have, etc. and then switch over to Jessy’s to see hers.
Great post Ricky. For the Net Fees Paid formula, does it account for annual fee renewals if you keep a card for longer than the first year? I noticed you’ve had the AMEX Cobalt since 2017 – so wouldn’t your net fees paid be at least $140 by now?
Alas, it does not. The spreadsheet assumes you are cancelling the card before the first year is up to avoid the second year’s annual fee.
I suppose the functionality could be added using the Months variable, though.
Nice handy spreadsheet, I have something very similar. I also have 4 different columns besides the ones you have that I find handy.
Column 1 – By when I have to meet the minimum spending requirement for the sign up bonus
Column 2 – a formula that counts down how many days I have left to meeting the minimum spend requirement to get the sign up bonus
Column 3 – the actual minimum spending amount I have to spend to get the sign up bonus
Column 4 – a formula that keeps track of how much I have already spent subtracted from the minimum spending requirement to get the sign up bonus. This number basically tells me how much more I have to spend on this particular card before I get the sign up bonus.
Very smart additions!
Going to try it out. Thanks!
Thanks for the spreadsheet! I am trying to make my list but how do I find out the dates that I opened my card that was opened years ago? And do you use the date you applied for the card, or the date you received the card and activated it?Thanks
You can use Creditkarma.ca to get your free credit report there. It uses information from Transunion (not Equifax), but is free to use and you can get a new report online weekly for no charge. It will list your accounts and the dates opened.
I cant remember which blog I read this and never confirmed this but I recall reading that the countdown to meet your minimum spending requirement in order to get the signup bonus is not from when you receive your new credit card and call in to activate it but from when you applied and got approved. This means that the 5-10 business days that it could take for your credit card to arrive gets counted towards the time you have in order to meet the minimum spending requirement.
Something to keep in mind and maybe Ricky or someone else can give a definite answer on when the clock starts
It is from the date your card is approved as this is when the account is "opened", NOT when you receive or activate the card.
Thanks Ricky!
You have 14 open accounts – are these all yours or spouse’s / parent’s etc?
The spreadsheet is not exact… but yes I have roughly that number of accounts under my own name.
Wow!
Maybe it is the common believe – but isn’t that many cards kill your score??
Or in other words – can I apply for as many cards in any given period of time – as long as I stick to the 6/3 rule?
Contrary to popular belief, having many credit card accounts (or other forms of credit accounts) on their own do not beat up your score if you are paying bills in full and on time, aren’t using too much of your total granted credit, etc. Ricky did a post on this exact topic here: https://princeoftravel.com/blog/all-about-credit-scores
I actually took some time a few weeks ago to create my own (aka modify one I found online) and was curious as to what you had.
Like Nicolas below, I have the credit limit column that adds it all up to see the overall amount of credit I have.
Another field that might be useful is the amount of days since you closed the account. Great to quickly see if it’s too soon to reapply or just right.
Otherwise, I like the clean look of yours and may actually migrate my info at a later time.
Excellent spreadsheet Ricky! I have the credit limit of each card in another column in mine so it could be a useful to add to yours.
Great idea!
Thanks! Going to slightly tweak mine with some of your features.
Tremendous help Ricky! Very much appreciated.