Know what to do
before your next
annual fee.
See what your card is really worth to you, compare your options — keep, downgrade, or cancel — and prepare for renewal.
Sample evaluation · live math
Amex Platinum
Effective net value
+$445
A sample evaluation with live math. Run yours in about two minutes →
One question.
One clear call.
No 25-question onboarding. You answer what you actually used — we do transparent arithmetic, not vibes, and show the assumption behind every number.
Pick your card
Search by name or issuer. Fees, benefits, and downgrade paths come pre-loaded and sourced — every figure shows where it came from and when we last checked.
Tell us what you actually used
For each benefit: yes, sometimes, no, or not sure. Add the dollar value you personally got — or let us estimate. Only relevant questions appear.
Get a decision, not a spreadsheet
Keep, keep with conditions, downgrade, cancel, or review — with the reasons, the alternatives priced side by side, retention data, and a reminder before renewal.
One clear call,
before the fee hits.
Pick your card, answer a handful of "did you actually use this?" questions, and CardDecide does the arithmetic — no black box, no 25-question survey. Keep, consider a downgrade, consider cancelling, or review again.
- Sourced benefits and fees, with verification dates
- Transparent math — see exactly how each number is derived
- A recommendation with clear reasons and next steps
Sample evaluation · live math
KeepAnnual fee
$895
You used
$1,340
Net value
+$445
Your used benefits cover the full $895 fee, with about $445 to spare. Keep is the honest call.
Walk into the call prepared.
Community-reported retention offers — with spend targets, sample sizes, and freshness — clearly separated from issuer-verified facts. Plus a calm call script built from your own numbers.
Amex Platinum · Oct – Dec 2025
Offer reported30,000 – 50,000 Membership Rewards after a spend target
$5,000 – $8,000 spend · 3 – 6 months · 14 datapoints
Offers vary by account and eligibility. Reported outcomes are not guaranteed.
Every number has a paper trail.
Verified · issuer
Fees and benefits as published by the issuer, with the date we last checked.
Community data
Retention reports from cardholder communities, always labeled with sample size.
Editorial estimate
Values we assign to hard-to-price perks like lounge access — marked as such.
Needs verification
When terms may have changed, we say so instead of pretending certainty.
Renewal season doesn't wait
Your next annual fee is already on the calendar.
Two minutes now beats a surprised statement later.