Card issuers spent billions telling you the fee is worth it.
We built the math that tells you if they’re right.
The verdict is free—every time. Free watches one card, reminders included. Pro is that same card with nothing held back. Pro Unlimited watches your whole wallet.
Our pledge
When the math says cancel, we say cancel — even when it costs us.
- Verdict pages have zero affiliate links. Ever.
- Rankings are user math, not issuer payout.
- We never push you to open a new card. If you go apply for one on your own, that’s your call.
Catching one $200 credit before it expires can cover five years of Pro.
Sample scenario only. Your number depends on your actual usage.
The honest starting point
Free
Best for: One card. You want to know if it's actually paying for itself.
- One card in My Wallet
- Everything you need to track one card, for as long as you keep it
- No time limit — nothing here runs out
- Expiring-credit alerts
- 60-day renewal analysis before your fee posts
- One honest verdict: Worth It, Watch It, or Cancel
- No credit card to start
Nothing held back
Pro
$3.25/mo billed annually — save 35%
The whole product, on the card you already carry.
Best for: The one card you carry, with nothing held back.
Everything in Free, plus:
- One card in My Wallet
- Statement scanning — upload a PDF or CSV, confirm the matches
- Monthly Reports — every month archived, emailed on the 1st
- Annual fee change alerts
- Everything in Free, with nothing held back
No limits
Pro Unlimited
$8.25/mo billed annually — save 31%
Best for: Six or more cards, and never thinking about a limit again.
Everything in Pro, plus:
- Unlimited cards in My Wallet
- Multi-card overlap detection
- Unlimited statement scans
- Everything in Pro
The math stays independent on every plan.
Nothing here runs out. One card, every feature except statement scans and Monthly Reports, free forever. Pro Unlimited is for more than one card.
Which plan is right for me?
Choose Free if:
You have one card. Run the WTF Check, manage it in My Wallet, and get every reminder—before credits reset and before the fee returns. Free.
Choose Pro if:
One card, every feature except statement scans and Monthly Reports, free forever. Pro removes that exception: the same one card, with statement scanning and nothing else held back either.
Choose Pro Unlimited if:
You carry more than one card. Pro Unlimited is Pro with the card limit removed — every card you hold, and no scan limit.
No Bank Login
We never ask for your bank credentials. Ever.
No Card Number
Run the WTF Check without entering a card number. Ever.
Verified against issuer terms
Every benefit value is checked against the issuer's published terms. No proof, no value.
Independent Verdicts
Some card links may earn us a commission. Your verdict never does.
Frequently asked questions
Need more help? View our full FAQ →Find out if your card is worth the fee.
One card, every feature except statement scans and Monthly Reports, free forever. Pro removes the exception for $39/yr ($3.25/mo billed annually — save 35%).
Independent & unbiased
No bank login · Cancel anytime