Affiliate relationships
do not change the math.
No card issuer pays us. Some merchant links may earn a commission. Your verdict never depends on it.
Independent
Privacy-first
Issuer-Sourced Values
You're in control
1. How WorthTheFee makes money
Some links to merchants (for example Uber or Dell) may earn us a commission when you make a purchase. No card issuer pays us, and links to apply for a card are never affiliate links. Commissions come from those merchants, not from you.
2. What affiliate links are
Some links to merchants on our site are affiliate links: when you click one and make a purchase, we may earn a commission from that merchant. We do not have affiliate relationships with card issuers, and links to apply for a card are never affiliate links. No card issuer pays us.
3. What affiliate relationships do not influence
Affiliate partnerships do not influence our content, recommendations, rankings, or calculations. We do not accept payments to feature, promote, or rank any card.
4. How the verdict is calculated
The verdict on every card is based solely on Issuer-Sourced Values (the annual fee and credits published by the issuer) and Value You Use (what you tell us you actually capture). The math is the same for every user — regardless of affiliate relationships.
5. Why Your Verdict Stays Independent
Issuer apply links are not affiliate links — no card issuer pays us. Some merchant links (for example Uber or Dell) may earn us a commission. Your verdict is based on your card's value and what you use, never on commissions. The numbers don't move. The answer doesn't change. If the math says Cancel, we say Cancel.
6. Learn more
Our full methodology and privacy practices support our commitment to transparency and independence.
We're independent. You're in control.
WorthTheFee is here to help you understand your cards,
maximize real value, and keep more of what you earn.