No proof,
no credit. Simple.
Our methodology is built on transparency, issuer data, and your real usage — so you can make the right decision before your annual fee hits.
Our philosophy in one glance
Counted in Net Value
Annual fees
The real cost you pay.
Statement credits
Fixed dollar credits from issuers.
Reset frequency
Monthly, quarterly, semiannual, or annual.
Enrollment requirements
We flag what's required to unlock value.
Your statement override
Your real usage always wins.
Listed but not counted
Lounge access
Value is subjective and varies by person.
Hotel status
Benefits and value vary wildly by user.
Concierge services
Highly subjective. Not a fixed dollar value.
Points & miles
Value depends on how you redeem them.
Marketing estimates
We don't use inflated or issuer-supplied guesses.
If the issuer doesn't publish a fixed dollar value, we don't count it.
How our methodology works
We verify every dollar against issuer terms, card by card. Each card shows its verification status.
We collect credit and fee data directly from issuer pages, cardmember agreements, and official terms.
Every data point includes a last verified date so you know it's current.
We show reset timing clearly.
Credits reset at different intervals. We show exactly when each credit resets so you never miss value.
We account for enrollment.
If a credit requires enrollment, we clearly flag it. If it requires using a specific portal, we show that too.
No hidden requirements. No surprises.
We let your statement override.
Our data is powerful, but your real statement is the final say.
Choose a PDF statement. 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. When you scan, we keep what the statement 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. We also keep a scan record (file name, a fingerprint, the period) and the credit lines saved from it. Credits the statement proves are added for you, with an Undo. You can delete it from the card's page, under Use Credits. American Express statements today; more issuers soon. Review the matches and confirm what counts. Your confirmed matches update your verdict.
We calculate using Issuer-Sourced Values.
Net Value = Value You Use − Annual Fee
Break-Even Progress shows how close you are to covering your fee. No fluff. Just arithmetic.
We stay updated.
Issuer benefits change. When we find a change, we verify it against the issuer and update the card.
You'll always see the last verified date on every card page.
Why you can trust the bottom line
Independent
We don't rank cards. We measure them. The bottom line is based on your usage, not partnerships.
Transparent
Every credit, fee, and rule is shown. No black boxes. You can see the logic behind every number.
User-controlled
You decide what counts. You can edit, override, or exclude anything.
Privacy-first
No bank login. No Plaid. No aggregators. Your data stays yours.
Do the math that works for you.
Stop guessing. Start knowing. See if your card is worth the fee.
- No bank login
- No guesswork
- Just verified dollar math
- Your statement wins