Add the supported cards you carry, review the benefits Netcarda loads for them, and record a credit or benefit after you use it. Netcarda organizes current-period usage, remaining value, reset timing, and wallet-level annual-fee math. Free is manual and browser-local; Plus adds cloud-saved, cross-device tracking.
1. Add the cards you actually use
Choose supported personal cards in Free. Plus also supports business cards. Add the full account-open date when a fee period or benefit follows an account anniversary rather than the calendar year.
2. Update benefits after they post
Enter statement-credit usage only after the issuer posts it. You can deactivate benefits you do not intend to use so the tracker reflects your own wallet rather than an optimistic headline value.
3. Review what remains
Use the tracker to see active benefits, remaining amounts, current reset periods, annual fees, and effective annual fee based on the value you recorded. Benefit terms can change, so issuer terms remain authoritative.
COMMON QUESTIONS
Frequently asked questions
Does Netcarda update benefits automatically?
Free does not. You manually record usage; Netcarda calculates the remaining value and period view from that input.
Can I turn off a benefit I do not use?
Yes. Free lets you deactivate credits that are not relevant so they do not affect reminders or scoring.
What is effective annual fee?
It is the annual fee minus the tracked value you actually record as used; it is a personal tracking figure, not a guarantee of card value.
Reviewed by Netcarda LLC · Last service review: September 20, 2026.
Netcarda describes current product behavior from its published applications and service contracts. Features and card terms can change. For card-specific eligibility, fees, and benefit timing, verify the issuer's current terms.