Worth My Fee connects to your cards, reads a year of real spending, and audits every advertised credit against how you actually live — then tells you, card by card: worth the fee, or not.
19.6¢ reachable per advertised dollar. The annual fees on this portfolio: $3,359.
Link your cards securely through Plaid — the same connection service your bank already works with. We read transactions only. We never see your bank password.
Hotel status, airline status, elite nights in progress. This is what other tools skip — and it's where the expensive traps hide.
Every credit scored against your real behavior: claim it, ignore it, or it's a trap. Then the bottom line per card — keep it, downgrade it, or cancel before the fee posts.
Every card app can remind you to use a credit. None of them ask whether you should.
The classic: a $500 hotel credit that only works through the card's own travel portal. Book through the portal, and the hotel treats it as a third-party prepaid stay — your elite status isn't honored, your night doesn't count toward requalification, your points don't post. The credit pays you $500 and quietly takes back more.
Worth My Fee models your loyalty programs alongside your card benefits, so every verdict is net of what a redemption would cost you elsewhere.
Connections run through Plaid using your bank's own sign-in (OAuth). We receive read-only transaction data, nothing more.
Connection tokens are encrypted with AES-256 before storage and are never exposed to your browser or anyone else's.
Disconnect your cards or delete your account at any time — we revoke bank connections and remove your data. Details in our privacy policy.
Run the audit once. Know what every card is actually worth — before the next annual fee posts.
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