Is your card actually worth its annual fee?
Add your Amex, BA or Barclaycard, tick off the perks you actually use, and see the real value you get back vs. the fee — with unused perks honestly counted as £0.
Amex Platinum
£1,420 value vs the £650 fee
Not a rewards-maximiser fantasy — what your cards are really worth to you
Every figure comes from the issuer's own terms, and perks you don't use count as nothing.
See where the value comes from
A colour-coded breakdown of points, credits, lounge and perks — versus the fee. Unused perks are £0, always.
“Which card?” recommender
Answer a few questions and get cards ranked by real ongoing value for your spend — including two-card combos.
Never lose a credit again
A reminders calendar for fee renewals and the dates your statement credits reset — so nothing expires unused.
A verdict at a glance
Earning its keep, borderline, or losing money — with exactly how much of the fee you've already covered.
“Do this next”
The one or two moves that squeeze the most from your card — using what you already pay for, never “just spend more”.
Private by default
No bank login, no card numbers, no APIs into your accounts. Your password is stretched on your device and never sent.
From “no idea” to a clear answer in a minute
Add your card
Pick from the cards we cover and enter roughly what you spend. No account needed to see your first verdict.
Tick what you use
Slide through the perks — the £120 dining credit, the lounge passes — and mark what you actually claim.
See the verdict
Real value vs. the fee, your break-even, and what to do next. Save it to a free account to track it all year.
Free to check. Pro to master a whole wallet.
- One card, full verdict
- “Which card?” recommender
- Honest value breakdown
- Up to 2 cards
- Household / supplementary mode
- Savings-trend chart
- Unlimited cards + wallet view
- Two-card combo strategy
- Reminders calendar & credit resets
- Year-in-points report
Find out what your cards are really worth
It's free to check, takes a minute, and never asks for a bank login or a card number.
Open the app →