On most Saturdays, I will spend a bit of time, log in to each of my accounts

The system I use to track my spending and credit card signup bonuses is a giant Excel spreadsheet. While Arrival points are not nearly as useful as they once were given the recent changes to the Arrival card, my general philosophy is that nearly all cards are worth getting for the signup bonus. So periodically my wife and I will sign up for new credit cards, primarily (though not completely) for the signup bonusesĪ few months ago, I signed up for the Barclay Arrival card, which had a signup bonus of 40,000 points after spending $3000 in the first 90 days. I’ve often said that credit card signup bonuses can be one of the best way to get lots of miles and points. But I want to share it more as a cautionary tale to remind people how important it is to track your bonuses and if you’re not organized it can really cost you! It actually happened a few months ago but I’ve been putting off writing about it. This is one of those really sad tales that frankly, is a little bit embarrassing to write.