How to make a credit card spending plan

List spends you can steer

Write the next month of groceries, dining, online orders, and travel. Leave out rent and other excluded charges. Those lines do not belong on a reward plan.

Next to each line, put the card that still has cap room or a milestone gap. If two cards could work, prefer the one whose burn path matches the goal.

Review once a month, not every swipe

Caps reset. Milestones complete. A plan that is not reviewed becomes last month's habit. The first of the month is enough for most people.

Perks Premium is built to map spends toward a goal after invite. Logging and free card picks keep the plan live, not only a document.

• Steer only the spends that earn.
• Assign each line to one card for the month.
• Revisit when a cap fills or a milestone completes.

How Perks helps with a spending plan

Logging and card picks stay free. Premium planning is in the app after a waitlist invite. Website paid checkout is not live.

Common questions

What is a credit card spending plan?

A dated list of which card to use for each recurring earnable spend so a goal gets funded on purpose.

Do I need a spreadsheet?

No. A note with four or five spend lines and a card next to each is enough if you update it when caps change.

Does Perks create the plan?

Premium spending plans are an invite feature. Until then, log spends and use free card picks to assign recurring spends yourself.