Is each annual fee still worth it?
Add the cards you hold. This page routes every category to the right card, checks each annual fee against what that card actually earns you, and shows how far your spend is from each fee waiver. Computed from published card terms, with no bank login and nothing leaving your browser.
Your wallet
Add the cards you actually hold. Everything below is computed from the verified catalog.
These are computations from published card terms, not financial advice. A card can be worth keeping for reasons this page does not model: lounge visits, insurance, status, or a banking relationship.
Questions people ask
›Do I have to connect my bank account?
No. You pick your cards from a list and the maths runs in your browser. There is no bank login, no statement upload, and no card number is ever entered. Your wallet is stored in this browser only.
›How do you decide a card is worth keeping?
We compare what the card earns in your wallet, using its published reward rates and caps, against its annual fee, and we check whether your spend clears its fee waiver. A card that does not cover its fee on rewards alone is flagged for review, not condemned: lounge access, insurance and status are real value this page does not model.
›Where do the reward rates come from?
From our card catalog of 91 cards. Cards we have checked against the issuer's own source carry a last-verified date on their card page; the rest are labelled unverified, and this page repeats that label rather than hiding it.
›What happens when a card is devalued?
Devaluations are published in our news feed with the affected cards tagged, so a change to a card you hold is matched to your wallet instead of buried in a general feed.