Signup is free and takes about a minute — no credit card required. You can add your first card, see its Fee Report, and explore the full dashboard right away.

Most card tools track points or help you pick which card to swipe. WorthTheFee answers one question: is your premium card actually worth its annual fee? We calculate your real net ROI and give you a clear verdict before renewal.

Never. WorthTheFee never asks for bank credentials and never connects through Plaid. You either mark credits manually or, on Pro, upload a PDF statement that's parsed in your browser.

Free to calculate your card's value, forever. Pro is $79/yr and tracks up to 5 cards with email alerts and AI statement scans. Pro Unlimited is $149/yr and removes the card limit.

Every benefit is verified against issuer terms and links back to the official source. Each card page shows when the data was last checked. We always recommend confirming with your issuer before relying on any number.

No. We're independent. Affiliate revenue from card applications doesn't influence our verdicts or recommendations.

Statement Override is a Pro feature that catches discrepancies between what your card statement says you earned and what the issuer's terms say you should have earned. If a credit posts late, gets missed, or comes in at the wrong amount, we flag it so you can dispute it.

Sign up free, click Start Pro Trial, and you get 14 days of full Pro access — no credit card required. At the end of the trial you stay on Free unless you choose to upgrade. Nothing is auto-billed.

Yes. Cancel from your Billing settings at any time. You keep Pro access through the end of the period you already paid for, then revert to Free.

Account deletion permanently wipes your tracked cards, credit usage history, statement uploads, and email — within 30 days, including from backups. We don't sell, share, or retain personal data after deletion.

Email hello@worththefee.com with the card name and issuer. We add high-demand premium cards in the order users request them; you'll get a note the moment yours is live.

Personal premium cards are fully supported today. Business premium cards (Amex Business Platinum, Business Gold, Chase Ink Reserve) are partially supported and rolling out as we verify each issuer's business-side terms.

When you add a card, you can record how many authorized users you have and the per-user fee. The dashboard rolls those fees into your true annual cost so the renewal verdict reflects what you actually pay, not just the primary card fee.

Statement Override lets you mark the issuer's actual posted amount as the source of truth for that month. Your dashboard updates instantly, and we log the discrepancy so we can investigate whether our catalog is stale.

Not yet. WorthTheFee is a mobile-first web app — it works in any browser on your phone, and you can add it to your home screen. A native iOS app is planned for late 2026.