Free1
Purchase decisions
Best Card Finder
Pick a category or search a purchase, then see which saved card earns the most before you pay.
- Category ranking for your wallet
- Purchase search for common spending
- Saved-card recommendations at checkout
Credit Card Chris
Know which card to use, track statement credits and perks, and decide whether each annual fee still earns its place.
Manual card setup
No bank login required
Built for 5-10+ card wallets
Dashboard preview
Keep or Cancel
Annual fee verdict
KEEP
Credits
+$300
Rewards
+$409
Fee
-$495
Benefits
Dining credit$84 left
Airline credit$50 left
Digital credit$32 left
Best Card
Dining4x
Use Amex Gold for restaurants and groceries.
No-fee alternatives
Downgrade path found
Keep points active with a lower-fee card
Option
$0 fee
Action
Call bank
Smart Alerts
Annual fee due in 30 days
Dining credit resets next week
Perk value still unused
Monthly budget is near its limit
Features
Useful free tools first. Premium intelligence when your wallet grows.
Credit Card Chris starts with the everyday decisions: which card to use, what benefits you have, and whether annual fees make sense.
Core tools
Everything you need to start optimizing.
These are the daily-use features that stay valuable even before Premium.
Free2
Wallet source of truth
Wallet Management
Build and maintain the card list that powers every recommendation, fee check, and benefit reminder.
- Supported templates and custom cards
- Reward overrides and card details
- Archive, reorder, and review cards
Free + Premium3
Benefits you already pay for
Benefits / Perks Tracker
Track statement credits and card perks so annual-fee benefits do not quietly expire unused.
- Statement credit and perk tracking
- Reset dates and usage progress
- Unused value surfaced before it expires
Free4
Quick fee math
Fee Calculator
Run a guided annual-fee scenario before applying for or renewing a premium card.
- Step-by-step annual-fee math
- Credit assumptions you can adjust
- Reward assumptions for your spend
Free + Premium5
Keep or cancel
Keep or Cancel
Get a simple verdict on annual-fee cards, then upgrade for deeper value and downgrade analysis.
- Basic KEEP / CANCEL verdicts
- Premium value breakdowns
- Alternatives and downgrade guidance
Free + Premium6
Reminder center
Alerts Hub
Preview upcoming card tasks for free, then unlock delivered reminders across your preferred channels.
- Free preview alert timeline
- Premium push, email, and SMS delivery
- Annual fee, perk, credit, and budget alerts
Premium upgrades
Delivered alerts and deeper fee decisions.
Premium keeps the offer simple: reminders that reach you, plus the full annual-fee analysis.
Premium1
Delivered reminders
Smart Alerts
Turn the alert preview into reminders delivered through the channels you choose.
- Annual fee and benefit reminders
- Email and SMS channels where supported
- One place to review upcoming card tasks
Premium2
Annual fee decisions
Full Keep or Cancel
Unlock the detailed math and next steps behind each annual-fee card verdict.
- Full value breakdown
- Top no-fee alternatives
- Downgrade and product-change guidance
Pricing
Start with the core tools. Upgrade when your wallet gets expensive.
Premium is for users who want reminders delivered before card value slips away, and a complete answer on whether annual-fee cards are worth keeping.
Free
$0
No credit card required.
- Best Card Finder with category ranking
- Wallet management for saved cards
- Benefits / perks tracker
- Annual Fee Calculator
- Basic Keep or Cancel verdicts
- Alerts Hub preview timeline
- Dashboard overview
Premium
$3.99/mo
Cancel anytime in Settings.
- Everything in Free
- Delivered Smart Alerts
- Email and SMS alert channels where supported
- Full Keep or Cancel value breakdown
- Top no-fee alternatives
- Downgrade and product-change guidance
- $39/yr option available
Build your rewards wallet in minutes.
Add your cards, check which one to use, and get a clearer view of the value behind every annual fee.
Create free account