Check the cards you hold and your annual spend. We score each fee against what the card earns you: keep, borderline, or downgrade.
FAQ
When should I cancel a card instead of downgrading?
Downgrade first when the issuer allows it: you keep the account age and credit limit, which protects your score. Cancel only when there is no downgrade path or the fee already posted and cannot be waived.
Do signup bonuses count in the verdict?
No. The audit scores the ongoing year: rewards on your spend plus credits you will actually use, minus the annual fee. A big first-year bonus can justify keeping a card one more year on its own.
What does borderline mean?
Within $50 of break-even either way. Re-run with honest credit use: set the slider to what you spent last year, not what the perk is worth on paper.
How often should I audit?
Once a year, a month before each annual fee posts. Habits and card benefits both drift.
Important notice. This tool is provided for educational purposes only. The information and recommendations presented here are not intended to constitute financial, legal, or tax advice. Please consult with qualified professionals for personalized financial guidance. Credit card terms, rewards, and benefits are subject to change and may vary based on individual circumstances.