There has been some talk the last couple of days about tracking everything and covering annual fees with offers, etc.
I track everything in
mint.com and feel that I do a pretty decent job, but was just curious how everyone tracks things like the offers from chase, amex, etc.
I go back and forth if it should be a discount on my credit card fees or if it should be a discount on what I'm buying. So for example, with the instacart offer - do you track it as a discount on your annual fee or as a discount on your groceries.
OR, if the card that the offer is on does not have an annual fee, does that change how you track it?
Thanks!