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Monthly Rewards Review Checklist

Set aside 15 minutes at the start of each month. Work through this list top-to-bottom to capture credits, avoid expirations, and stay on top of portal rates.

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Credits & Benefits

Check all monthly statement credits — confirm last month's were used
Verify any annual credits that reset this month and plan how to use them
Review airline/hotel incidental credits and book anything needed

Offers & Categories

Review current merchant offers on all cards and enroll relevant ones
Verify rotating categories are still enrolled on applicable cards
Check if any current category bonuses align with upcoming purchases

Expirations & Tracking

Check any upcoming point expirations (flag anything within 60 days)
Review pending cashback to confirm it tracked correctly
Confirm any missing transactions have been reported

Portal & Rate Checks

Compare portal rates for your top 3 recurring merchants
Check if your primary travel portal has updated promotions

For the quarterly deep review template, see the Value Leakage Playbook.

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