Yes. Netcarda Free costs $0 and is not a trial. It requires no signup, login, payment method, bank connection, or card number. Free includes manual tracking for supported personal cards, a benefit calendar, past credit activity, effective annual-fee tracking, and one Custom Card.
What is included in Free?
Free covers the core manual tracker: supported personal cards, statement-credit and benefit usage, reset schedules, annual fees, effective annual fee, past credit activity, a benefit calendar, and one Custom Card.
What does Plus add?
Plus is paid and account-based. It currently adds cloud-saved tracker data, cross-device access, supported business cards, up to 20 Custom Cards, and faster manual logging tools. Future items are labeled coming soon on the Plus comparison.
Is a credit card required to start?
No. Open the Free web app and begin without a payment method or card number. You select card names from the supported catalog; you do not provide issuer login credentials.
COMMON QUESTIONS
Frequently asked questions
Is Netcarda Free a trial?
No. The core Free tracker costs $0 and is not presented as a limited-time trial.
Do I need an account for Free?
No. Free works without a Netcarda account.
How does Netcarda make money?
Netcarda offers the separate paid Netcarda Plus subscription for account-based and expanded features.
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.