Questions,
answered.

WorthTheFee answers one question: is your premium credit card actually worth its annual fee? We count only verified issuer-stated dollars, show every string attached, and give you one honest verdict — Worth It, Watch It, or Cancel.

Open the calculator, pick your card, and answer a few quick questions about how you actually use it. You’ll have the bottom line in about 60 seconds — no signup required.

Yes. The calculator is free forever, with no account required. Free also includes credit-expiration alerts, calendar (.ics) export, and renewal reminders for 1 tracked card. Pro ($39/yr) tracks up to 5 cards and adds statement scanning, Smart Renewal Outlook, and terms-change alerts. Pro Unlimited ($149/yr) removes the card cap.

We pull the verified credits attached to your card, ask how you actually use each one, then compare the real captured value to your annual fee. The result is your true net — not the inflated marketing number.

Be honest. Only mark credits you actually use, in full, before they expire. If a $200 hotel credit only works at hotels you don’t book, mark it $0. Your statement always wins over the brochure.

Net value = verified captured credits − annual fee − authorized-user fees. Perks (lounge access, status, protections) are shown separately and only counted when the issuer publishes a fixed dollar value.

Unlimited use of the single-card calculator, full Fee Reports, 1 tracked card, credit-expiration alerts, calendar (.ics) export, and renewal reminders. No credit card required, no time limit.

Free already includes expiring-credit emails, renewal reminders, and calendar export for 1 tracked card. Pro ($39/yr) tracks up to 5 cards and adds terms-change alerts, statement scanning, and Smart Renewal Outlook. Pro Unlimited ($149/yr) removes the card cap.

Yes — one click from Settings. No retention dark patterns, no phone call, no “are you sure?” loop. You keep Pro through the end of your paid period, then revert to Free.

Never. No bank login, no account aggregation, no credentials of any kind. You add cards manually, and your statement is always the source of truth.

No. We don’t use Plaid, MX, Finicity, or any other aggregator. Your bank credentials never enter our system because we never ask for them.

Your email, the cards you’ve added, and the credits you’ve marked as used. We never ask for, store, or display your full card number. One click in Settings exports everything; one more deletes it permanently.

Upload a PDF statement. We surface possible credit matches; you confirm each one. Nothing counts toward your ROI until you approve it — your statement always wins.

PDF statements from major issuers (Amex, Chase, Capital One, Citi, U.S. Bank). CSV exports are supported on Pro Unlimited.

Statements are parsed, matched, and then discarded — we don’t retain the file itself. Only the credit matches you approve are saved to your account, and you can delete them at any time.

Only verified, issuer-stated dollar amounts with a published cap and reset frequency. Every credit links back to the official terms so you can confirm any number yourself.

Anything the issuer doesn’t put a fixed dollar value on — lounge access, status tiers, protections, miles you might earn, “up to” discounts. They may be valuable, but they don’t belong in a net-ROI calculation.

Because the issuer doesn’t. The minute we plug in a $600 lounge guess, we’re inflating your ROI the same way the bank does. The math is the product — we’d rather under-count than mislead.

Because ours is real. The bank counts perks you might never use and credits that need extra spending to unlock. We only count exact dollars you’re guaranteed to get, linked to their own terms. Lower number, zero fiction.

Every credit links to the issuer’s official terms. Don’t take our word for it — click through and check us. We dare you.

Everything lives in Settings: cards, alerts, billing, exports, and account deletion. No hidden menus, no buried toggles.

Settings → Billing → Cancel. One click, immediate confirmation. You keep Pro through the end of the period you paid for.

No. Your tracked cards and Fee Report stay on the Free tier. If you delete your account, everything is wiped within 30 days, including from backups.