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How it works

Your credit card company owes you money.

CC Reward captures it, walks you through claiming it, and tells you whether your card is still worth the fee.

The process

Four steps, and then we do the remembering

No card numbers at any point. A bank connection is optional and read-only — the product works without one.

  1. Add your cardsSearch 580+ products with fees, credits, protections and reset dates already filled in. You pick a card, not a card number.Nothing sensitive changes hands.
  2. Say how you spendNine questions, once. Flights, dining, rent, transit and the rest — enough to know which credits are real for you and which are decoration.Asked once, read by every page.
  3. We track the chainWhat needs activating, when each window opens and shuts, who in the household holds what, and which credits are shared rather than one each.The part nobody does for themselves.
  4. We tell you at renewalWhat you captured against what you paid — and if the honest answer is that the fee isn't worth it, that's the answer you get.Including “cancel it.”
The entitlement chain

A credit is a chain. Every link has to hold.

“$200 airline credit” is not $200. It is $200 if you activated it, if you spend inside the window, if the merchant qualifies, and if the charge posts before the window shuts. Break one link and it pays nothing.

  • A premium card can carry eight or more credits that pay nothing until they are switched on in the issuer's app.
  • Nearly half of people abandon a reward that takes more than two steps — which is exactly where this value goes.
  • We hold the whole chain per credit, and hand you the steps for the links you have not closed yet.
ON THE CARD$200airline creditActivatedin the issuer appnever enrolledIn windowbefore it resetswindow shutQualifyingone airline onlywrong merchantPostedinside the periodposts too late$200paidIF ANY LINK BREAKS$0The fee is still charged in full. The credit simply never pays.Every gate is a place value leaks — and every one of them is knowable in advance.

On the card

$200 airline credit

  1. Activated in the issuer appBreaks: never enrolled
  2. In window before it resetsBreaks: window shut
  3. Qualifying one airline onlyBreaks: wrong merchant
  4. Posted inside the periodBreaks: posts too late

$200 paid

If any link breaks

$0 The fee is still charged in full. The credit simply never pays.

Every gate is a place value leaks — and every one of them is knowable in advance.

The chain for one credit. Issuers publish the face value; the gates live in the terms. We hold both, and tell you which gate you have not passed.
CC REWARDOne card accounttwo people on it$200airline · sharedonce$100Global Entry · eachone eachHouseholdcounted onceAlex · $100Sam · $100$400household total, correctEVERYONE ELSEProfile 1 · Alexown card listProfile 2 · Samown card listairline $200Global Entry $100= $300airline $200Global Entry $100= $300$600summed household totalthe shared $200 airline credit counted twiceSummed profiles cannot tell a shared creditfrom a per-person one.

CC Reward

One card account · two people on it

  1. $200 airline · shared Household, counted once
  2. $100 Global Entry · each One each: Alex · $100, Sam · $100

$400 household total, correct

Everyone else

Profile 1 · Alex and Profile 2 · Sam, each with their own card list

  1. Profile 1 · Alex airline $200 + Global Entry $100 = $300
  2. Profile 2 · Sam airline $200 + Global Entry $100 = $300

$600 summed household total: the shared $200 airline credit counted twice

Summed profiles cannot tell a shared credit from a per-person one.

The same two people and the same card, modelled two ways. Shared-versus-per-authorized-user is the only thing in this category nobody else models — and getting it wrong overstates a household by hundreds of dollars.
Household

Two people, one wallet, counted correctly

Real households share cards, and the credits on a shared card do not all work the same way. A $200 airline credit on one account is one credit. A Global Entry credit on that same card is one each. Every other tracker assumes one person and one wallet.

  • Shared credits count once. Per-authorized-user credits are tracked for each cardholder separately.
  • One person can burn a credit on a card in the other's name without a conversation — the mental load actually drops.
  • Free for the whole household. With about 3.7 cards per adult, two people is six to eight cards and roughly double the value at stake.
The number

The effective annual fee

The sticker fee is what a card charges. The effective annual fee is what it costs — the fee minus the credits you would actually use. It is the number issuers don't print, and the number a business paid for card applications cannot afford to publish.

We lead with it on every comparison, and we compute it against your answers rather than against a best case nobody reaches. Read the full definition →

Annual fee$895
Credits, at face value$2,994.40
Credits you'd actually use$1,109
Your effective annual fee−$214

An illustrative premium card, using the same maths every page here runs.

Cross-issuer

Every issuer, in one place

Issuers only ever solve for their own cards, and not even all of those. Amex built a credit tracker — and left its co-branded cards out of it. Chase, Citi and Capital One have built nothing. Nobody manages a wallet that spans them.

Your wallet580+ cards, 79 issuersFees, credits, reset dates, protections and access, held in one catalog rather than nine apps.
The gapNo issuer models a householdBecause no issuer has a reason to. Which is why the shared-credit question above has no answer anywhere else.
The year

What actually happens after you sign up

Statement credits are the most perishable reward in the market — monthly windows, mismatched resets, anniversary clocks. The product is mostly a calendar that refuses to forget.

Day oneYour wallet is builtEvery credit, every reset date, and the activation steps that decide whether month one pays anything at all.
30 · 7 · 1 daysBefore anything expiresThree warnings, not one. The first alert that saves a credit you'd have lost is the moment this stops being a spreadsheet.
All yearClaim as you goMark a credit used, or connect a bank read-only and let matching charges burn the right credit on their own.
RenewalThe verdictWhat you captured against what you paid, per card. A decision with numbers behind it instead of a shrug.
Your data

What we ask for, and what we never touch

The questions people actually stop on. The answers run the same direction every time: we hold less than you'd expect.

Do I have to link a bank?No. The product works entirely without one. If you do connect, it is read-only through Plaid, we never see your credentials, and disconnecting deletes the data.A competitor asks for your actual bank username and password. Chase has been squeezing that route for years. We chose not to depend on it.
Do you store card numbers?Never. We store card products and the state of their perks — that the Platinum in your wallet has a hotel credit and when it resets. There is no PAN in the system to leak.Two-factor is mandatory: passkey, authenticator app or emailed codes. Your choice of method, not your choice of whether.
Where do the numbers come from?Every dollar value is cross-referenced against published issuer terms. Verified figures carry a date. Anything still pending an issuer sync is marked as estimated rather than quietly presented as fact.
What do you do with it?Nothing is sold. No advertisers, no data brokers, no list. Perk tracking is free, and if paid tiers ever arrive, what you are using stays free.The whole household is included. We are not going to charge you twice for the same card.
How we make money

We can afford to tell you to cancel

Amex will never tell you its fee isn't worth it. A site paid per application can't either — “don't get this card” is not a publishable conclusion when the click is the revenue. We take no affiliate money on comparisons, which is the only reason the number on those pages can be trusted.

No affiliate links. Not on comparisons, not on card pages, not anywhere the effective annual fee appears.No application bounties. The highest-traffic pages on this site are the ones we make nothing from.Free tracking. Paid tiers, if they come, sit above what you already use — never in front of it.
Start with one card

Add the card you use most and see what's sitting unused on it

No account needed to look. No card numbers ever. No bank connection unless you want one.

Get started — it's free

Or read the FAQ.