Free credit card fee analyzer

Is Your Credit Card Annual Fee Worth It?

Track every credit card benefit, see your real ROI, and never overpay for a card again.

No credit card required. Works with any card.

feeworth.com/fee-check
VISA
Sapphire Reserve
Chase · Visa
Annual Fee
$795
Total Credits
$2,598
Net Value
+$1,803
This card pays for itself — you're $1,803 ahead
Why FeeWorth

Stop guessing if your card is worth keeping

Most people pay annual fees without knowing if they're getting their money's worth. FeeWorth shows you the real numbers.

See your real ROI
Know exactly whether each card pays for itself. See your annual fee vs. total credits at a glance, with a clear net value number you can act on.
Never miss a benefit
Track every credit, perk, and deadline. Check off benefits as you use them and see your actual ROI update in real time. Monthly reminders included.
Know when to keep, cancel, or switch
Get personalized recommendations: retention offers to try, downgrade options, and replacement cards that could save you money.
Features

Everything you need to make the call

FeeWorth goes beyond simple fee comparisons with tools that give you the full picture.

Benefit Tracker

Check off benefits. Watch your ROI climb.

Every card comes with credits you might be leaving on the table. FeeWorth lists every benefit, lets you check off what you've used, and shows your real ROI — not the theoretical maximum.

  • Track travel credits, dining credits, streaming credits, and more
  • See monthly vs. annual benefits with deadline reminders
  • Transfer partner value insights that most tools miss
Benefit Tracker
4/12 checked · $1,520 of $2,598 captured
$300 Travel Credit
Travel
$300/yr
DoorDash Credit
Dining
$300/yr
$10 Lyft Credit
Travel
$120/yr
Global Entry / TSA PreCheck
Travel
$120/yr
$500 The Edit Hotel Credit
Travel
$500/yr
Priority Pass Lounge
Travel
Included
Decision Tools

The guidance people are actually Googling for

Thinking about canceling? Not sure if you should downgrade? FeeWorth gives you every option — retention offers, what you'll lose, downgrade paths, and better alternatives — all in one place.

  • Retention offer scripts and tips before you call
  • Exactly what you'll lose if you cancel
  • No-hard-pull downgrade options from your issuer
  • Better replacement cards ranked by net value
Beyond the Numbers
Transfer partners, insurance, status perks & more
›
Retention Offers
Call before you cancel — most people get an offer
›
If You Cancel
What you'll lose and what happens to your points
›
Downgrade Options
3 product changes available · No hard pull
›
Recommended Replacement
Amex Platinum · +$2,034 net value
›
Household View

Manage cards together as a household

Couples and families often share card strategies. FeeWorth's household view tracks all your cards in one place — yours and your partner's — so you can optimize your total annual fees as a team.

  • See combined fees, credits, and net value at a glance
  • Tag cards as "You" or "Partner" for clear ownership
  • Renewal timeline across all household cards
Fee Dashboard
6 cards (household) · 4 with annual fees
Total Fees
$1,080
Credits
$4,196
Net ROI
+$3,116
Renewal Timeline
Sapphire Reserve YOU
$795/yr
Hyatt Card PARTNER
$95/yr
Bilt Obsidian YOU
$95/yr
How it works

Get your answer in 2 minutes

1
Add your cards
Select your credit cards from our database of 100+ cards with pre-loaded benefits.
2
Check off what you use
Mark the benefits you actually redeem. Your real ROI updates instantly.
3
Get your verdict
See whether to keep, cancel, downgrade, or switch — with the exact options to do it.

Stop guessing. Start knowing.

Find out if your credit card fees are actually worth it — in under 2 minutes, completely free.

No account required to start. Works with all major credit cards.