Hide, write off, and scorecards

Simulated data

The screenshots and data shown in this guide use simulated test data. Card benefits, credit amounts, and dollar values are examples and may not match your issuer’s current offers. Always verify terms and remaining credits with your card issuer before acting.

Not every credit is worth chasing. Benefits gives you two ways to clear a row — and they do different things to your totals.

Hide vs Won’t claim

Action	Section	Effect on totals
Hide	Hidden	Removed from tracking — excluded from Claimed / Unused math
Won’t claim	Written off	Forfeited for this cycle — the unused amount still counts as lost

Use Hide when the perk was never relevant (wrong lifestyle, duplicate access, you’re not keeping the card). Use Won’t claim when you admit you left money on the table and want that loss reflected in how the fee looks.

Rows also expose a Hide control (hover or tap) that moves the credit to Hidden without booking a forfeited loss.

Undo

After you mark something used, hidden, or written off, Benefits briefly shows an in-place undo. Expand Hidden or Written off later to restore a row if you change your mind.

Per-card scorecards

Each card shows captured credit value against its annual fee:

Net ≈ Claimed − annual fee

• Ahead — captured credits cover the fee (so far)
• Behind — you’re still short of the fee

Unrated Passive lounges never add to Claimed. Once you Accept suggested, Set my value, or Punch visits, those assignable dollars do count toward Claimed / net-of-fee (they live under Active). Hidden spend credits leave the math entirely. Written-off credits keep the forfeited remainder in the loss side of the story.

Hero: Claimed vs Unused

The page hero toggles:

• Claimed — dollars you’ve captured across cards
• Unused — chaseable dollars still available on open windows

Filters (Needs you, Expiring soon) narrow the list without changing how the scorecard math works.

Fees vs value chart

The side panel (or stacked card on mobile) compares value captured to each card’s annual fee marker, plus an across-all-cards net. Use it together with the hero Claimed / Unused toggle when you’re deciding what to chase next.

Tip

Fee overrides on a Wallet card flow into Benefits. If you pay a different annual fee than the catalog default, edit the card so the scorecard matches reality.

Next: tips and best practices.