Is your premium credit card actually worth the annual fee?
Calculate the real value of your Amex, Chase, or Capital One card in 60 seconds — based on what you actually use, not what the marketing says.
Sample Fee Report
KeepAmerican Express
Platinum Card
Annual fee
$895
Captured
$1,800
Net
+$905
201%
The Problem
Premium cards are expensive. The math is invisible.
Issuers don't show you the running total. We do.
You're paying $895/year.
Are you actually using $895 of value? Most premium cardholders have no idea.
Benefits go unused.
Monthly credits, hotel stays, lounge access — most premium card perks expire forgotten.
Renewal hits without warning.
The fee posts. You shrug. Was it worth it this year? You'll never really know.
The Verdict
One clear answer. Three colors.
Every Fee Report ends with the same decision: Keep, Downgrade, or Cancel.
Amex Platinum · +$905 net this year
You're capturing well above the fee. Renew with confidence.
Chase Sapphire Reserve · +$48 net
Marginal value. Consider a product change to a lower-fee card before renewal.
Amex Gold · −$190 net this year
You're paying more than you're getting back. Call retention or close before the fee posts.
What sets us apart
Why people switch from spreadsheets and other tools.
Drop a PDF. Find every credit.
Our AI reads your statement inside your browser using PDF.js — the file never reaches our servers. Finds every credit you captured and matches it to your card's benefits.
Catch credits you don't know are locked.
Most premium card benefits require manual enrollment through the issuer portal. We surface every one that's unenrolled — and walk you through one-tap enrollment.
Your statement is the truth.
When your statement shows a value different from our database, your statement wins. We update our records automatically — and the catalog gets more accurate for every user.
Decisions, not data dumps.
60 days before your fee posts, we give you a clear verdict with the math: Keep, Downgrade, or Cancel. Includes grandfathered fee warnings — so you know when your fee flips.
The difference
How we're different.
How it works
Three steps. Sixty seconds.
Pick your card
Choose from premium cards we track — Amex, Chase, Capital One, Citi, BofA.
Tell us what you actually use
Adjust simple sliders for each benefit. No bank login. No statement upload.
Get your Fee Report
A receipt-style breakdown with a clear verdict: keep, downgrade, or cancel.
What you get
A clear answer, not another dashboard.
Real Fee Report
A receipt-style breakdown — fee in, value out, net result. Not a sales pitch.
Renewal forecasting
Know what your card will be worth at the next renewal, not last year.
Compare cards side-by-side
Stack the cards you have (or might switch to) and see the verdicts head to head.
Email yourself the report
Save your scenario. We'll send a clean copy you can revisit before renewal.
Supported cards
Premium cards tracked and growing.
Every benefit is verified against issuer terms — and we show you when it was last checked.
The story
Why I built this
I was paying $895/year for my Amex Platinum and realized I was only capturing about $400 of the credits. The math stopped making sense.
I built WorthTheFee because I couldn't find a tool that just told me the truth about my cards without trying to sell me new ones, lock me into a subscription with a bank login, or bury what I needed under affiliate content.
If you're like me — sophisticated about cards, tired of guessing, skeptical of "best card" lists — this is for you.
— Michael Eisner, founder · hello@worththefee.com
Have feedback? I read every email.
Privacy & security
We never store your credit card data.
Your numbers stay on your device. Three promises built into the architecture.
No PCI data
We never ask for your card number, account number, or bank login. Period.
Email optional
Calculate without signing up. Email is only used if you want to save your report.
Delete anytime
Full data export and deletion in Settings. Your numbers belong to you.
Pricing
Free to calculate. Pro to track over time.
Free
Track 1 card. Calculate as often as you want.
Pro
Track up to 5 cards. Email alerts and AI statement scans.
Pro Unlimited
Removes the card limit. For households and points enthusiasts.
FAQ
Common questions.
Can I try it before signing up?
Signup is free and takes about a minute — no credit card required. You can add your first card, see its Fee Report, and explore the full dashboard right away.
How is this different from other card tools?
Most card tools track points or help you pick which card to swipe. WorthTheFee answers one question: is your premium card actually worth its annual fee? We calculate your real net ROI and give you a clear verdict before renewal.
Do I need to connect my bank or upload statements?
Never. WorthTheFee never asks for bank credentials and never connects through Plaid. You either mark credits manually or, on Pro, upload a PDF statement that's parsed in your browser.
What does it cost?
Free to calculate your card's value, forever. Pro is $79/yr and tracks up to 5 cards with email alerts and AI statement scans. Pro Unlimited is $149/yr and removes the card limit.
How accurate is the benefit data?
Every benefit is verified against issuer terms and links back to the official source. Each card page shows when the data was last checked. We always recommend confirming with your issuer before relying on any number.
Is this affiliated with Amex, Chase, or any issuer?
No. We're independent. Affiliate revenue from card applications doesn't influence our verdicts or recommendations.
What is Statement Override?
Statement Override is a Pro feature that catches discrepancies between what your card statement says you earned and what the issuer's terms say you should have earned. If a credit posts late, gets missed, or comes in at the wrong amount, we flag it so you can dispute it.
How does the 14-day Pro trial work?
Sign up free, click Start Pro Trial, and you get 14 days of full Pro access — no credit card required. At the end of the trial you stay on Free unless you choose to upgrade. Nothing is auto-billed.
Can I cancel my subscription anytime?
Yes. Cancel from your Billing settings at any time. You keep Pro access through the end of the period you already paid for, then revert to Free.
What happens to my data if I delete my account?
Account deletion permanently wipes your tracked cards, credit usage history, statement uploads, and email — within 30 days, including from backups. We don't sell, share, or retain personal data after deletion.
How do I request a card you don't track?
Email hello@worththefee.com with the card name and issuer. We add high-demand premium cards in the order users request them; you'll get a note the moment yours is live.
Do you support business credit cards?
Personal premium cards are fully supported today. Business premium cards (Amex Business Platinum, Business Gold, Chase Ink Reserve) are partially supported and rolling out as we verify each issuer's business-side terms.
How do you handle authorized user fees?
When you add a card, you can record how many authorized users you have and the per-user fee. The dashboard rolls those fees into your true annual cost so the renewal verdict reflects what you actually pay, not just the primary card fee.
What if my statement shows a different amount than your database?
Statement Override lets you mark the issuer's actual posted amount as the source of truth for that month. Your dashboard updates instantly, and we log the discrepancy so we can investigate whether our catalog is stale.
Do you have a mobile app?
Not yet. WorthTheFee is a mobile-first web app — it works in any browser on your phone, and you can add it to your home screen. A native iOS app is planned for late 2026.
Find out if your card is worth keeping.
Free. 60 seconds. No signup required.
Calculate my card's value →