Launched this week
Unspent
Use the credits you already pay for
2 followers
Use the credits you already pay for
2 followers
You pay the annual fee. Unspent makes sure you use the credits that come with it. Track every dining, travel and monthly credit on its real reset cycle and get a nudge before it expires. No bank login: you just pick your cards.
Free Options
Launch Team
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Promoted
Hey Product Hunt
I built Unspent because I lost a $50 Saks credit I had forgotten was on my card, and then realized I had been doing that for years. The premium cards we carry come loaded with credits: dining, travel, Uber, a monthly one, a quarterly one, and they all reset on different clocks. Miss the window and the money is just gone. It adds up to hundreds a year, quietly, on the exact cards you are paying a big annual fee to hold.
Every tool I tried wanted to connect to my bank. I did not want a middleman holding my transactions just to remind me about a dining credit. So Unspent works the other way around.
You pick your cards. That is it. No bank login, no aggregator, nothing of yours leaves your account. We never see a transaction.
It knows the real reset cycle for each credit, monthly, quarterly, semiannual, annual, cardmember year, even multi year, and reminds you before the right one closes, not on Jan 1 like a generic calendar.
It is honest on purpose. Every amount comes from the issuer's own published page, and on the site each credit says how it was checked. Export your data anytime, CSV or JSON.
It started with the US premium cards people actually carry, Amex Platinum, Gold and Hilton Aspire, both Chase Sapphires, the Venture X, and it now tracks 209 credits worth $25,000+ a year, across 36 issuers in the US, Canada and Mexico, each read from the issuer's own page. More land every week.
Unspent is live on Android today. iPhone is in Apple's review queue and arriving soon. If you are on iPhone, join the waitlist at unspent.cc and I will notify you the moment it is live. A paid plan, Unspent Plus, adds more than two cards and household sharing. It's open now, no waitlist.
It takes about 90 seconds a month. That is the whole product.
I would genuinely love your feedback, especially which card should we add next, and what is the credit you are most tired of losing. I will be here all day.