Feature 3 - Benefit tracking
Premium card credits are only valuable if you use them.
Compare annual fee against the credits you actually redeem, with usability haircuts for credits that are easy to forget or hard to use.
Annual fee
$0
Sticker cost
Face credits
$348
Advertised total
Tracked value
$0
Usability-weighted
Net fee now
$0
Fee covered
Credit checklist
Check only benefits you will actually use this cardmember year.
Next database step
Benefit tracking needs a user-level event ledger: credit due dates, redemptions, renewal month, merchant constraints, and reminders. Product terms alone cannot tell whether a premium card is worth keeping.
Check bonus feasibilityTracking more than one card? Card Autopilot tracks perks across your whole wallet and tells you which card to use for each purchase.
Want the annual fee and every credit's real terms for a specific card? See its Fine Print Report.