Credit Card OS — Track balances, rewards, spend, and subscriptions in one place

A complete credit card command center with active card portfolio, rewards tracking, monthly and annual summaries, category and merchant analytics, and subscriptions oversight.⁠⁠​

Stay on top of every card, payment, reward, and subscription. Credit Card OS gives you an active cards hub, spend summaries by month and year, category and merchant insights, a clean transactions table, and a subscriptions view to cut recurring waste. Works for personal and creator finance with a clear backend and simple dashboards.

🔍 Want to explore the system first?
You can view a live preview of the template in action (read-only mode):

Credit Card OS is your central hub for card management and spending clarity. Track all active cards and rewards, analyze spend by category and merchant, and review monthly and annual summaries to spot trends fast. Keep subscriptions visible and under control, and manage every transaction in one clean table.

What you get:

• Active Cards: portfolio view of all cards with key details and status
• Rewards tracking: consolidate benefits and points across cards
• Monthly and Annual summaries: quick insights for budgeting and trend checks
• Category analytics: understand where money goes
• Merchant overview: see which vendors drive spend
• Subscriptions: monitor renewals to reduce bill creep
• Transactions table: filter, sort, and review all charges in one place
• Backend page for data structure and future scaling

Perfect for:

• Individuals and families who want a simple credit tracking system
• Creators and small businesses who manage multiple cards and recurring tools
• Anyone reducing unnecessary subscriptions while keeping rewards optimized[1]

Key features

• Active card portfolio with rewards tracking
• Monthly and annual spend summaries
• Category and merchant analytics
• Subscriptions oversight to prevent surprise renewals
• Clean transactions table with filters and saved views
• Backend-ready structure for scaling and customization[1]

What’s included

• Dashboards: Active Cards, Overview, Monthly Summary, Annual Summary
• Databases: Credit Cards, Transactions, Categories, Merchants, Subscriptions, Months, Years
• Backend page for structure and future extensions[1]

How it works

1. Duplicate the template.
2. Add your cards to Active Cards.
3. Import or log transactions.
4. Tag categories, merchants, and subscriptions.
5. Review monthly and annual summaries to optimize spend and rewards.

Setup time

10–20 minutes for initial setup. Ongoing use is quick: add transactions as you go or import in batches.

Compatibility

• Works with free and paid Notion plans
• Desktop and mobile friendly
• No third‑party integrations required

FAQ

• Does it support multiple cards and currencies?

Yes, you can track any number of cards. For multi‑currency workflows, you can add currency properties or conversions as needed.

• Can I connect to my bank?

This template is manual-first to keep things private and flexible. You can still use CSV exports to import transactions.

• Is it suitable for small businesses or creators?

Yes. Use categories and merchants to separate personal and business spend and add custom properties for tax tags.