The calculator is free.
Forgetting credits is expensive.
Start with one card, get your verdict, and turn on credit-expiration alerts — free. Upgrade when you have more cards to monitor: up to 5 cards on Pro, statement scans, exports, and terms-change alerts.
One missed credit can cost more than Pro.
WorthTheFee is designed to catch unused credits,
missed statement credits, and renewal decisions
before they reduce your value.
Sample scenario only. Your number depends on your actual usage.
The Retention Loop
Free
Best for: One premium card. The accidental cardholder.
- Track 1 premium card
- Verified benefit data
- Honest verdict — Worth It / Watch It / Cancel
- Credit-expiration alerts
- Calendar (.ics) export — drop credit + renewal dates into your calendar
- Renewal reminders
- One-tap Yes / Skip / Remind on every credit
- Share your verdict — free, no account needed
For 3–5 Cards
Pro
14-day free trial. No credit card required.
Best for: Cardholders with 3–5 cards who want the full retention + decision toolkit.
Everything in Free, plus:
- Track up to 5 cards
- Statement Scan — auto-detects credits & flags discrepancies
- Smart Renewal Outlook
- Renewal reminders — email + calendar
- Fee-change & terms-change alerts
- Pre-renewal report with downgrade & retention scripts
- Grandfathered-fee detection
- In-app Alerts inbox
- Statement PDF & CSV export
- Priority email support
Coming soon:
- Saved Fee Reports history
Power Wallet
Pro Unlimited
Best for: 6+ cards, household wallets, and tax-season power users.
Everything in Pro, plus:
- Unlimited cards tracked
- Unlimited AI statement scans
- Household / multi-user wallet view
- Tax-season itemized export
- Early access to new features
- 24-hour priority support SLA
Cheaper than CardPointers ($90/yr) and MaxRewards ($108/yr). Cancel anytime.
Which plan is right for me?
Choose Free if:
You have 1 premium card. The core loop (verdict + credit alerts + .ics export) is the whole product on Free.
Choose Pro if:
You hold 3–5 cards and want statement scans, renewal scripts, terms-change alerts, and priority support.
Choose Pro Unlimited if:
You track 6+ cards, share a household wallet, or want tax-season itemized exports and unlimited statement scans.
No bank login
We never ask for bank credentials. Ever.
No credit card required
Start the Pro trial without providing payment info.
No auto-billing surprise
After the trial, you stay on Free unless you choose to upgrade.
Independent answers
Issuer affiliate revenue does not influence our recommendations.
Frequently asked questions
Need more help? View our full FAQ →Find out if your card is worth the fee.
Start free. Upgrade when you need more value monitoring.
Independent & unbiased
No bank login · Cancel anytime