Credit Card Annual Fee Tracker
Keep annual fees beside the card benefits you actually use. Review your card before renewal and compare usable value with its current fee.
Why it matters
An annual fee posts once a year, usually around the account anniversary. Before it does, compare the fee with the credits and perks you actually used over the past year rather than their face value. Each Creddy card page lists the fee, its recurring credits and their yearly face value, which gives you a starting point; some issuers also let you move to a lower-fee card instead of closing the account.
How to use it
- Add each supported card
- Review its annual fee and benefits
- Record the perks you actually use
- Recheck the fee and issuer terms before renewal
Frequently Asked Questions
How does Creddy's credit card annual fee tracker work?
Creddy keeps each card's annual fee next to its benefits and the usage you log, so before renewal you can see whether the value you captured beat the fee.
Is the credit card annual fee tracker free to use?
Yes, within the free plan's three-card limit; Pro adds unlimited cards and 90/30/7/1-day renewal reminders.
How do I set up the credit card annual fee tracker?
Add your card, check the listed annual fee and renewal month, and log the benefits you use through the year.
Does the credit card annual fee tracker require a bank login?
No bank login is required for the annual-fee tracker. Confirm your card's fee and renewal date with its issuer.
How accurate is the credit card annual fee tracker?
Fees come from Creddy's catalog, and value comes from the usage you log. Confirm the current fee and your renewal date with the issuer.