Discover what your cards actually cost you
Annual fees can look intimidating, but don’t have to be. We find your hidden perks, help you use and track every dollar, and calculate what you actually pay.
$412.51
$2,097 used of $2,510 in fees
11 credits to use
Headline numbers lie
Banks market massive face values to justify steep annual fees. Reality is simpler: a perk is only worth what you’d actually pay out of pocket.
Face value isn’t real money
A $200 airline credit is worth $0 if you don’t fly. A perk is only real cash if it’s used.
Perks arrive on an installment plan
Banks break credits into annual, quarterly and monthly windows. One missed deadline quietly raises your real fee.
Unused credits fund the perks
Issuers profit when you forget. Counting only claimed perks keeps your bottom line honest.
See your true net value in minutes
We’ll track and protect every dollar all year long. No card numbers, and no bank login unless you want one.
- Step 1
Add your cards
Pick from 580+ cards.
- Step 2
Select what you’ll use
Select the credits you’d use, and set aside the ones that are not for you.
- Step 3
We’ll do the math for you
Fee minus credits you use, card by card and for the whole wallet.
- Step 4
Track, optimize, and watch it fall
We’ll help you track throughout the year, and provide you a renewal recommendation before you commit.
The reality
In theory, the perks easily outweigh the annual fee. In practice, unredeemed credits quietly cost you out of pocket.
- Face value
- $895
- Credits used
- $430
- Effective fee
- $465
Good to know
What is an effective annual fee?
The annual fee minus the dollar value of the credits you actually use. It can drop below zero when a card pays for itself.
Why not count every credit?
Because a credit you never use saves you nothing. You choose which ones count, and we count only those.
What does it cost?
It’s free, and it stays free.