Trust Center
We show our work.
You get the truth.
Every number on this site can be traced to a source. Every verdict can be replayed. Here's how.
Methodology
How the WTF Check turns Value You Use and the Annual Fee into one honest verdict.
Verdict Outcomes
One rule. Three answers. Worth It, Watch It, or Cancel.
Security & privacy
No bank login. No card number. Clear limits on what we collect.
Affiliate disclosure
Some card links may earn us a commission. Your verdict never does.
Spot a mistake?
Every card page has a "WTF — spot a mistake?" link. We verify every report against the issuer's latest terms and correct it fast.
Card benefits and terms change. WorthTheFee is an independent tool, not affiliated with any issuer. Always confirm the exact benefit against your issuer's terms before acting on a verdict.