There are dozens of large loyalty programs out there, from credit card rewards ... track their rewards. It has features like the ability to export rewards balances into Excel and PDF formats ...

When you ask a credit card enthusiast how they track their points and miles, they may show you a complicated spreadsheet they use to calculate point totals for various rewards programs.

The average household with credit card debt owes $16,061 ... The strategy worked so well for Sall that he decided to share his spreadsheet for paying back debt on his blog, "Life And My Finances ...