Spreadsheets vs DanHana
A spreadsheet is free, flexible, and fully under your control. Its weakness is not the tool — it is that nothing in it reminds you, re-checks anything, or re-ranks your wallet when the rules change.
The short answer
A spreadsheet works until a credit expires silently. It cannot alert you, re-check issuer pages, or re-rank your wallet when a quarterly category changes. DanHana automates exactly those three jobs — 7-day on-site alerts, quarterly catalog re-checks, and per-category re-ranking — and keeps manual check-off for credits you used.
Side by side
| DanHana | Spreadsheet | |
|---|---|---|
| Alerts | On-site alerts 7 days before expiry for all members; email alerts are Premium | None — you must remember and check manually |
| Re-checks | Quarterly catalog re-checks; changes propagate to every holder's wallet | Manual — re-check issuer pages yourself |
| Re-ranking | Per-category re-ranking from your own wallet | Manual — re-rank when categories change |
| Offer updates | Auto-collected weekly (Mondays) from published lists (Chase/Citi automatic, Amex hand-curated) and auto-published on the member-only /offers page with no admin approval, plus shown in the /app search result card's 'Card offers' section with a direct issuer link when the offer has a URL. New offers appear only as issuers publish them. Enrollment happens on the issuer's site. | Manual — track offers yourself |
| Household sharing | One spouse or partner's Premium covers both | A shared file, if you maintain it |
| Cost | Free tier up to 3 cards; Premium $6/mo or $60/yr | Free — your time |
Frequently asked questions
How do I track credit card benefits?
List every credit with its expiry date, and check the list before anything lapses — or let DanHana do the watching: on-site alerts 7 days before expiry, plus quarterly catalog re-checks.
What credit-card perks expire that people forget?
Monthly credits and quarterly bonuses are the easiest to miss, because they reset on schedules you never see — a monthly credit that lapses on the 31st, a quarterly category that rotates while you are not looking.
Is a spreadsheet enough for 3 cards? 8 cards?
With 3 cards, a spreadsheet works if you check it weekly. With 8 cards, the checking load grows fast — every credit, every quarterly rotation, every offer — and that is where automation earns its keep.
How often do card benefits change?
Through the year: quarterly categories rotate, and issuers revise credits and offers. DanHana re-checks its catalog quarterly and propagates changes to all holders' wallets.
DanHana is not affiliated with CardPointers, MaxRewards, or Kudos.
Sources
Prices and features verified October 2026 — check the vendor's site for current terms.