Quarterly review
Review the wallet before fees and deadlines surprise you
Use realistic rewards and benefit values, compare no-fee alternatives, and turn the result into a short action list. Entries stay in this browser.
Private, practical, annual
Review your whole card portfolio
Compare annual fees with rewards and benefits you actually use, spot upcoming renewals, and build a keep-or-review checklist. Nothing entered here is sent to CreditCardCompanion.
Add a card to begin. You can review up to eight cards at once.
| Card and renewal | Annual fee | Rewards value | Benefits used | No-fee alternative | Result | Remove |
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Portfolio action plan
No decisions yet. Values are planning estimates, not recommendations.
How the calculation works
Net card value = annual rewards + benefits you realistically use − annual fee. The no-fee alternative is shown as an opportunity-cost comparison. A card is flagged for review when its net value does not beat that alternative; qualitative benefits, credit history, downgrade paths and issuer rules still matter.
Privacy: no bank login, card number, balance, credit score or transactions are requested. “Save” uses only this browser’s local storage. Renewal calendar files contain the card names and dates you enter, so review them before sharing.
Quarterly portfolio-review workflow
Inventory
Confirm active cards, annual fees, renewal dates, recurring payments, and where each reward balance lives.
Measure
Use actual normal spending and benefits used since the last review. Do not annualize a temporary promotion as recurring value.
Compare
Check overlap, a realistic no-fee alternative, redemption friction, and whether each card has a clear job.
Prepare
Before a fee posts, review current terms and possible product changes. Protect rewards and recurring payments before closing anything.
Schedule
Add renewal and benefit deadlines to your own calendar, with enough lead time to verify terms and decide calmly.
Document
Keep a short reason for each decision and revisit it next quarter. This tool stores entries locally unless you export them.
Recommended quarterly cadence
January: calendar-year resets and expiring credits. April: first-quarter usage and category overlap. July: midyear benefits and travel plans. October: year-end credits and next year’s fee strategy.