WorthTheFeeWorth The Fee

The verdict is free. Always.

Free for our first 100 members. Every feature, forever. After the first 100, every feature is free on one card. You pay only to add a second.

Run the WTF Check on any card, free, no account.

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No Bank Login No Card Number Issuer-Sourced Values Independent Verdicts

Early access

Free for our first 100 members. Every feature, forever.

Sign up now and you get everything WorthTheFee does, on every card you carry. No card number. No bill. Ever. All we ask is that you tell us what to fix.

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After the first 100FreeOne card. Every feature.
  • One card in My Wallet
  • Every feature, free forever
  • Reminders before credits reset, and before your fee returns
  • Statement scanning — we find credits you already used
  • Monthly Reports — every month archived
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After the first 100UnlimitedEvery card you carry. One price.
  • Every card in My Wallet — no card limit
  • Multi-card overlap detection
  • Everything in Free, on every card

Not on sale yet.

Unlimited goes on sale later. Founding members never pay.

Same verdict on every planPaying never changes the math. It only adds cards.
No bank loginWe never ask for card numbers or account access.
Nothing runs outNothing here runs out. Our first 100 members get every feature, free, forever. There is no countdown, and nothing switches off later.

Which plan is right for me?

After the first 100 members. Founding members skip this: they get every feature, on every card, free.

Choose Free if:

You have one card. Everything is yours: the verdict, every reminder, statement scans, Monthly Reports. Free, for as long as you keep it.

Choose Unlimited if:

You carry more than one card. Unlimited is Free with the card limit removed — every card you hold, one price.

After the first 100. Founding members get every row, on every card.

Features
Free
Unlimited
Issuer-sourced values, with verification status shown
WTF Check on any card, no account needed
Cards in My Wallet
1
Unlimited
Statement scans
Unlimited
Unlimited
Monthly Reports
Reminders before credits reset
Reminders before your annual fee returns
60-day renewal analysis
Calendar (.ics) export
One-tap yes / skip / remind me
Verdicts saved in My Wallet
1
Unlimited
Share Your Verdict
Cancel / Downgrade Checklist
Email Support
Try the rule · example numbers
Net Value
−$95
CANCELRun the WTF Check →

Your two numbers, the site’s one rule: Net Value against ±10% of the annual fee.

Our pledge

When the math says Cancel, we say Cancel — even when it costs us.

CANCEL
  • No card issuer pays us. Some merchant links may earn a commission. Your verdict never depends on it.
  • We never push you to open a new card. If you go apply for one on your own, that’s your call.

No Bank Login

We never ask for your bank credentials. Ever.

No Card Number

Run the WTF Check without entering a card number. Ever.

Issuer-Sourced Values

Every value starts from the issuer's published terms. Each credit shows whether it's verified, and when.

Independent Verdicts

Issuer apply links are not affiliate links — no card issuer pays us. Some merchant links (for example Uber or Dell) may earn us a commission. Your verdict is based on your card's value and what you use, never on commissions.

Frequently asked questions

Need more help? View our full FAQ →

Find out if your card is worth the fee.

Free for our first 100 members. Every feature, forever. Unlimited goes on sale later. Founding members never pay.

Run the WTF Check →Claim a founding spot →

Independent & unbiased · No bank login