Track the benefits you use, see their real value, and keep only the cards that justify their annual fees.

Get StartedTry the Demo
A premium card filling as its claimed benefits add up

$0

0%

$895 more to cover the fee
Shopping CreditTap to add $150+
Hotel Credit$150 × 1 = $150+
Dining Credit$10 × 8 = $80+
Restaurant Credit$25 × 2 = $50+
Streaming Credit$15 × 8 = $120+
Airline CreditTap to add $200+
Travel Credit$25 × 8 = $200+
Lounge Access$50 × 0 = $00 / 10

Card companies advertise dozens of credits and perks.
Justify Cards tracks and helps you get actual value from them.

Justify Annual Fees

Know if each card is worth its fee

Compare used value against annual fees to see net value and understand whether a card is earning its place in your wallet.

Annual Fee

$895

Earned Value

$1,171

Fee Coverage

131%

Status

Justification: This card is justified with $276 in net positive value.

Justified

Top Contributors

Fine Hotels + Resorts / THC Credit$300
$200 Airline Fee Credit$200
Oura Ring Credit$200
Global Entry / TSA PreCheck / NEXUS Credit$120

Unused Opportunities

Global Lounge Collection Access$650
Resy Credit$400
Fine Hotels + Resorts / THC Credit$300
Equinox Credit$300

Track Every Benefit

Track every credit, perk, and benefit

Track monthly, annual, semi-annual, and per-visit benefits in one view. Set your own value for each credit so your card's benefit value reflects your real-life usage, not just their advertised value.

Justify Cards benefit tracking interface

Unlock More Card Value

Get help using the benefits your cards already offer

Understand what counts, whether enrollment is required, and how to use the credits in ways that can unlock more value.

Info

Book a prepaid stay at Fine Hotels + Resorts or The Hotel Collection via Amex Travel Portal.

Enrollment Instruction

No enrollment required.

What Counts

Prepaid bookings at FHR or THC properties.

Tips

FHR stays have premium perks like free breakfast, $100 property credit, and 4 PM checkout. Depending on dates, select hotels may include 3rd Night Free or 4th Night Free options, helping you get more value out of your stay.

Unlock Premium Card Value

Justify Cards tracks annual fees, credits, and perks across your wallet so you always know which cards are earning their place.

80+

Cards Supported

Full benefit tracking for major premium, travel, business, and cash-back cards.

And counting. Missing a card? Let us know at help@justify.cards

$45,000+

Annual Credits Tracked

Total annualized value of assigned card credits and benefits in our database.

Based on tracked annual values currently in our card-benefit database.

180%+

Value-to-Fee Coverage

Assigned benefit values total about 1.83x annual fees across cards in our database.

Calculated using assigned annual benefit values before personal usage and value adjustments. Some non-monetized protections and perks (e.g. elite status or travel protections) are not reflected in this calculation.

Pricing

Start free. The first 300 members get Pro for $29 for their first year, then $59/year.

Free

$0/ year

Get Started Free

Features

  • Track up to 5 cards
  • Manual benefit check-offs
  • Custom alerts and reminders
  • Benefit info and usage tips
  • Annual fee justification
  • 12 months of card history
  • Secure multi-device access

Pro

Launch Special

$59

$29/ year

First 300 members get Pro for $29 for their first year, then $59/year.

Get Pro for $29

Features

  • Everything in Free
  • Full card history beyond 12 months
  • Net Lifetime Value after annual fees
  • Unlimited manual card tracking
  • Multi-profile support (Player 2, Spouse, & Business)
  • Renewal notifications with retention offer insights and guides
  • Bulk CSV statement import (Coming Soon)
  • Justin, your cards assistant (Coming Soon)

Coming Soon

Automatic Tracking Add-On

Securely sync card accounts to match eligible credits and reduce manual check-ins.

Join the Waitlist

Frequently Asked Questions

Have questions about how Justify Cards works? We have answers.

help@justify.cards
Yes. Your data is protected with SSL/TLS in transit, and personal information is encrypted at rest. Justify Cards is a tracking tool, so we never ask for or store your full credit card numbers.
Yes. Justify Cards works in your browser on phones, tablets, and desktops. There is nothing to install from an app store.
Yes. You can track personal and business credit cards in the same account. That matters because business cards often have higher annual fees and more credits to keep up with.
Justify Cards makes money through paid subscriptions, including Pro and future add-ons like account sync. We may also earn affiliate commissions if you apply for a card through one of our links and are approved. Recommendations are based on your benefit tracking data, not on which issuer pays us.
CSV upload is designed to find transactions that match card credits, then attach those matches to the relevant benefit as an audit trail. General spending that does not matter for a credit is discarded. Personal identifiers are scrubbed before matching, and statement processing uses zero-data-retention AI models.
We monitor card benefit changes and update the catalog as things change. If something is missing, you can tell us at help@justify.cards or add a custom benefit yourself. Today we focus on statement credits and benefit usage, with points guidance planned for future premium features.
Email us at help@justify.cards. We offer support to all users and will get back to you as quickly as we can.

See How Much Value You Are Actually Getting From Your Card

Create your account and start seeing which cards are actually earning their place.

Get Started