Know which cards are worth keeping

Upload your transactions. See what you actually earned. Make smarter annual fee decisions.

Try it free See a Demo

No signup. No data upload. Everything runs in your browser.

Premium cards promise big rewards, but annual fees add up fast. Between unused credits and missed bonus categories, the math gets fuzzy. We calculate exactly what you earned versus what you paid, so you can make renewal decisions with confidence.

How It Works

Step 1
Upload your transactions

Export a CSV from any bank, credit card issuer, or financial tool and drop it into the tracker.

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Drop your file here
CSV from your bank or financial tool
Step 2
We calculate your net value

The tracker categorizes every transaction, applies the correct multipliers, tallies statement credits you used, and subtracts your annual fee.

4821
→
Chase Sapphire Reserve
7733
→
Amex Gold
1092
→
Select a card...
Step 3
See which cards earned their keep

Get a clear breakdown per card: rewards earned, credits used, annual fee paid, and net value. Every number links back to the transactions behind it.

$42,681
Total Spend
$1,847
Points Value
$624
Net Value
Card Spend Points Net
Chase Sapphire Reserve $18,240 52,190 pts +$312
Amex Gold $14,800 41,600 pts +$507
Chase Freedom Flex $9,641 14,320 pts +$243

What We Do

  • Analyze past transaction data to show how much value you got from each card
  • Calculate actual rewards earned based on your real spending patterns
  • Factor in statement credits you used and annual fees you paid
  • Show net value per card with full transaction-level explanations
  • Work entirely in your browser. Your data never leaves your device.
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Your transactions never leave your device.

No account signup. No cloud storage. No Plaid connection. Just drop in a CSV, get your answer, and you're done. Use it once a year at renewal time, or track consistently with Pro. Your choice.

Accurate Multipliers for the Most Popular Rewards Cards

Multipliers, credits, and quarterly categories built in — ready to go.

Chase Sapphire Reserve Chase Sapphire Preferred Chase Freedom Flex Chase Freedom Unlimited American Express Platinum American Express Gold Capital One Venture X Capital One Venture Rewards Bilt Blue Bilt Obsidian Bilt Palladium Amazon Prime Rewards Visa U.S. Bank Cash+

Frequently Asked Questions

Where can I suggest new features or cards?
Send your ideas to . Whether it's a card you want supported, a feature you'd find useful, or anything else, your feedback shapes what gets built next.
Is my data safe?
Your data never leaves your browser - no servers or uploads. Everything runs locally.
What banks work with this?
Any bank or budgeting app that lets you export a CSV. The tracker auto-detects the format.
How is this different from real-time card optimization tools?
Those tools help you maximize future purchases by suggesting which card to use at checkout or auto-applying offers. We do something different: we analyze past transaction data to tell you how much value you got from each card and whether the annual fee was worth it.
Do I need to use this regularly?
No. Many people use it just once or twice a year at renewal time. You're also welcome to review your card performance more frequently. You can easily see which credits you haven't used yet.
Can I use this for cards you don't support yet?
Not yet, but new cards are added regularly. Reach out to and let us know which card you'd like to see next.

Stop guessing. Start tracking.

Find out which cards are actually earning their annual fee.

Try it free See a Demo