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.