Annual-fee analysis

Keep it, downgrade it, or cancel it — with proof.

Premium cards charge $95, $395, even $795 a year. The issuers count on one thing: that you will never do the math on whether the fee pays for itself.

A month before your fee hits, SwipeWise lays out the evidence: the credits you marked as used, plus an estimate of the points you earned and what they are worth — set against the fee you are about to pay.

The verdict is plain language, not finance jargon. Benefits well above the fee? Worth keeping. Barely breaking even? We will say so, and suggest the downgrade path.

The earn side is never inflated: we measure it against a plain 2% cash-back card, and count only what the card earns above that baseline.

Key takeaways

• Automatic review one month before each fee
• Checked-off credits + estimated points value vs. the fee, in dollars
• Plain-language verdict: keep, downgrade, or cancel