Your card advertises $2,000 in credits. How much can you actually reach?

No. The sample audit is a real four-card portfolio with hotel status, scored end to end, and it needs no account. To audit your own cards you do connect them: the whole point is judging each credit against what you actually charged, not what you remember charging.

91 cards and 229 credits across Chase, American Express, Capital One, Citi, Bank of America, Barclays, Bilt, Wells Fargo, Robinhood and U.S. Bank, personal and business. Every credit cites the issuer's own page with an as-of date, and we re-check those pages against the catalog every week; every card and its credits are itemized on the cards pages, and the scoring constants are on the methodology page. You can connect any U.S. institution Plaid supports, which includes every issuer in the catalog. Hold a card we don't cover yet? Tell us from Settings → Support and we add it.

The audit scores your trailing 12 months, and we request up to 24 months from Plaid. The first pull lands in seconds with about 30 days of history; the rest arrives within minutes to hours, and the audit page re-runs itself as it lands. Under 30 days of history no verdict is given. Capital One shares only 90 days, so a Capital One card is judged on 90 days and marked provisional.

Advertised is the issuer's headline total. Reachable is the part your real spending already qualifies for: the credit matches charges you actually made, at the merchants and in the categories the terms require. The verdict counts what actually landed on the card toward the fee and shows the rest as upside, so a credit you could use but never have doesn't rescue a card.

A credit that costs more to use than it returns. The classic: a hotel credit that only pays on prepaid bookings through the card's travel portal. The portal becomes the merchant of record, so Marriott, Hilton, Hyatt and IHG treat the stay as a third-party booking: elite benefits aren't honored, no points post, and the night doesn't count toward requalification. If you hold status, that $500 credit is worth less than zero. Each rule cites the program's own terms.

Conservatively, at what a normal cardholder reliably gets rather than what a maximizer can squeeze out: Chase, Amex, Citi and Capital One points at 1.5¢, airline miles at 1.2–1.4¢, hotel points at 0.5–0.7¢ (Hyatt at 1.7¢). Earning below a no-fee 2% cash-back card is worth nothing extra. Every constant is on the methodology page, so if you value points differently you can redo the math by hand.

Because we scored the cheaper card too. A cancel verdict means every cheaper card in the family was scored on your same year of charges and none of them clears its fee either; the report names the best one it rejected. If a cheaper card does clear, the verdict is downgrade.

Every verdict shows the charges it was built from, and every credit cites the issuer page and an as-of date. Report it from the card or credit row, or from Settings → Support: a person reads every report, and a confirmed wrong verdict earns a free year. Things we already know the audit can't see are on the known limitations page.

No. It is an estimate built from your transactions and the issuers' published terms, and you decide what to do with it. We are not affiliated with any issuer, bank or loyalty program.

Free: connect your cards and see your portfolio's topline (fees, advertised, reachable) plus your lowest-scoring card in full. $49 a year: every card, every credit and trap with its fine print, downgrade targets scored on your year, unlimited re-runs and your next fee date per card. The first 500 people to link a bank get 90 days free, then $29 a year for as long as they stay subscribed.

Because the decision moves. Issuers change credits and fees mid-year, each card's fee posts on a date you have to act before, and a keep in March can be a cancel in November. The subscription buys re-runs, a reminder before each fee posts with what the last audit said, and re-scoring when terms change. It renews yearly at the price you paid, we email you before it does, and you can cancel any time from Settings. If you only want one look, the free tier gives you your worst card in full.

If a paid audit doesn't find at least three times its price in fees you can stop paying (firm cancel or downgrade verdicts) or credits your spending already qualifies for that were landing on other cards, email hello@worthmyfee.com within 30 days of the first charge and we refund it in full. The same function that prints the number on your report makes the refund decision. Portal-only credits and provisional verdicts don't count toward it. Full terms.

No. We are paid by subscribers and by no one else: no affiliate links, no issuer relationships, no referral fees, ever. That is why we can tell you to cancel.

Plaid charges us monthly for every connected bank, so a free connection with no audit year is removed 30 days after linking. Your account and settings stay, and you can re-link any time.

Read-only transactions from the cards you connect: dates, amounts, merchant names and categories. Never card numbers, never your bank password. Connections run through your bank's own sign-in, the connection token is encrypted with AES-256-GCM and never leaves our servers, and payment cards are entered on Stripe's pages, not ours.

Settings → Delete account, effective immediately. We revoke every bank connection at Plaid, delete the cached transactions and your account record, and cancel any subscription. Disconnecting a single bank deletes its cache the same way. One thing survives: a one-way hash noting that your email once held a founding slot, so a deleted account can't claim a second free window.

No. We don't sell or share your data with advertisers, and there is no third-party analytics or session recording inside the app; it keeps a short, fixed list of first-party product events with no account identifier. These public pages use PostHog for page views and clicks only, with no cookies, and both honor Do Not Track and Global Privacy Control. Details in the privacy policy.

Google, or an email link. There is no password to manage, and nothing in the account is worth a takeover: it holds no bank credentials, and the Plaid token never leaves the server.

In the app, Settings → Support opens a ticket that a person reads. Otherwise email hello@worthmyfee.com (privacy questions: privacy@worthmyfee.com). Anything the audit is known not to handle yet is on the known limitations page.