Free tools · Authorized-user spend and bonus checklist

Credit Card Authorized User Spend Bonus Tracker

Track authorized-user spending, welcome-bonus progress and statement-close timing without entering card numbers or personal identifiers. The calculator runs in your browser and is designed for non-sensitive planning only.

AU spendbonus buffer

Browser-only calculator

How to use

  1. Enter only rough dollar amounts, dates or percentages; never enter account numbers, card numbers, SSNs, logins or personal identifiers.
  2. Run the calculator and use the generated checklist to find gaps.
  3. Open the official verification links before applying, closing, transferring, adding users or moving money.
  4. Save current official terms if the decision depends on a deadline, APY, fee, bonus or penalty.

Official verification box

Calculator results are assumptions. Current issuer, bank, FDIC, CFPB, offer, cardholder-agreement, fee, APY, maturity, penalty and eligibility terms control.

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Disclaimer

This page is educational only and does not provide personalized financial, tax, legal, credit, banking, travel, insurance or professional advice. Verify official terms and consider your own cash-flow, debt, fee and risk situation before acting.

FAQ

Can I rely on this calculator alone?

No. Use it to organize questions, then verify live official terms.

Is my data sent to Omellody?

No. Inputs stay in your browser.

What should I avoid entering?

Do not enter card numbers, account numbers, SSNs, routing numbers, logins, names, phone numbers, claim IDs or private documents.