Questions,
answered.

WorthTheFee answers one question: is your premium credit card worth its annual fee based on what you actually use? We start from the issuer's published terms, show every string attached, and give you one honest verdict—Worth It, Watch It, or Cancel.

Run the WTF Check, pick your card, and tell us what you realistically expect to use. You’ll get one honest verdict in about 60 seconds—no signup required.

The WTF Check is free on any card—every time, no account. Right now, our first 100 members get every feature, on every card, free forever. After that, Free is one card with every feature: every reminder, statement scans, and Monthly Reports. Unlimited is the same thing on every card you carry—the only thing you ever pay for is a second card.

We start from the issuer's published terms and ask how much of each credit you realistically expect to use. That becomes Value You Use. Subtract the annual fee and you get Net Value—then one honest verdict: Worth It, Watch It, or Cancel.

Enter the amount you realistically expect to use over a year. If a $200 hotel credit is only worth $50 to you, enter $50—not $200. The brochure doesn't get a vote.

Net Value = Value You Use − Annual Fee. Lounge access, status, protections, and points are shown separately. They may matter to you, but they do not inflate your Net Value.

Run the WTF Check on any card without an account. While our first 100 members last, every account gets every feature on every card. After that, Free is every feature on one card in My Wallet: values from the issuer's published terms, an honest Worth It / Watch It / Cancel verdict, reminders before credits reset and before your annual fee returns, statement scans, Monthly Reports, calendar (.ics) export, one-tap yes / skip / remind me, and one saved verdict. No card number required. No time limit.

Every card you carry, with multi-card overlap detection. Everything else is already in Free. Unlimited is $39 a year, or $5 a month. It is not on sale yet — our first 100 members get every card free, forever.

Never. No bank login, no account aggregation, and no bank credentials. You add cards manually and confirm what counts.

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.

We store your email, cards you've added, benefit selections, and reminder settings. If you use statement scan, we may also retain scan metadata and matched transaction details needed for your results. We never ask for or store your bank credentials or full card number. You can delete your account from Settings.

We read your statement in your browser, by rules, and no AI reads it. If we can't read your bank yet, we send the PDF to a document-reading service we use. It reads by rules, not AI, and is set to delete the file after a day. We find the credits that posted, your real annual fee, and spend your card may have covered without a credit coming back. Credits the statement proves are added for you, with an Undo; anything we can't place on a benefit, you choose.

PDF statements from American Express today. Chase, Capital One, Citi and U.S. Bank are next.

We never ask for a bank login or full card number. The statement is read on your device, by rules; if we can't read your bank yet, the PDF goes to a document-reading service we use, which reads by rules, not AI, and is set to delete the file after a day. When you scan, we keep what it says about this card's benefits — credits that posted, the annual fee, the issuer's notices, fees and interest year to date, your points balance, and purchases only at merchants your credits cover — never the file and never your other purchases, plus a scan record (file name, a fingerprint, the period) and the credit lines saved from it. You can delete it from the card's page, under Use Credits. Full details are on our Privacy page.

Every value begins with the issuer's published terms. Automatic value is included in your WTF Check with no selection required. A credit that is yours if you use it counts only when you select what you realistically expect to use. Earned value requires spending or qualifying activity, so include only what you realistically expect to earn.

We don't assign guessed dollar values to lounge access, status, protections, or points. We show those benefits separately. They may matter to you, but they do not inflate your Net Value.

Because their value is personal. A lounge visit is not worth the same amount to every cardholder. The moment we assign it a fantasy dollar value, we're doing the same math the banks do.

Because Maximum Credit Value is the ceiling — what may be available if you use every credit in full. Value You Use is what you realistically expect to use. The bank leads with the first number. Your WTF Check verdict is built on the second.

Every value starts from the issuer’s published terms, and each credit shows whether it’s verified and when. Verified credits link to the issuer’s official terms. Don’t take our word for it — click through and check us. We dare you.

Manage your cards in My Wallet. Use Settings for reminders and account deletion, and Plan & Billing for your plan. No hidden menus. No buried toggles.