Your card wall.
A free credit card perks tracker for 245 US cards. Stamp credits as you use them, plan ahead, and see when each card pays for its fee.
PLAN AHEAD · BY DEC 31
Hilton Aspire ×2$400
Resort ··1004 H2$200
Resort ··2009 H2$200
ANNIV YEAR · NOV 18 – NOV 17
$775used so far
Paid for itself (+$125)
$1,634left
Uber$15
Hotel$300
$67left
Dining$10
Dunkin’$7
PORTFOLIO MATH
The bottom line on your annual fees.
Gross fees, stamped credits, and free night certificates reconciled in one annual ledger. Know if holding your cards actually pays for itself.
ANNUAL NET RETURN
+$1,280 / yr
Ahead after free nights & credits.
AHEAD
NET +$1,280
GROSS FEES
$1,765
4 cards
CREDITS USED
-$1,224
Stamped credits
OUT-OF-POCKET
$541
Fees minus credits
FREE NIGHTS & PERKS
+$1,821
Certs & valuations
Amex Gold
$325 fee · $344 credits used
Ahead +$19
Sapphire Reserve
$795 fee · $480 credits · $450 travel
Ahead +$135
Hilton Aspire
$550 fee · $400 credits · 1 Free Night Award
Ahead +$500
Marriott Boundless
$95 fee · 35k Free Night Award ($350 val)
Ahead +$255
Cash Out-of-Pocket
Know your real cash drag upfront before perks. See exactly what you pay out-of-pocket each year once monthly dining, Uber, and travel credits offset your fees.
Free Nights & Perks
Automatically accounts for annual hotel certificates (Marriott 85k, Hilton uncapped, Hyatt Cat 1–4, IHG 40k) and airline companion passes with adjustable dollar valuations.
Keep, Downgrade, or Cancel
Get a clear verdict before your renewal fee posts. Instantly spot the cards earning their annual keep versus the ones quietly costing you money.
LIKELYNext card odds
Card news
No bank logins. No card numbers.
- Only the last four, if you want them
- Your wallet stays on your phone or in your browser
- No ad trackers, and nothing sold or shared
- We never check your credit
Frequently asked questions
How do I keep track of my credit card credits?
Pick your cards from Washicard’s catalog of 245 US cards. Every monthly, quarterly, semiannual, and yearly credit appears as an interactive coupon with its reset deadline (like Amex dining, Uber Cash, airline, hotel, and DoorDash credits). Tap to stamp each credit as you use it.
Is Washicard free?
Yes, completely free with no subscription, no paywalls, and nothing to unlock. It is supported by transparently labeled card offers (“Paid link”).
Does Washicard need my bank login or card number?
No, never. Unlike other trackers, Washicard does not connect to Plaid or ask for bank passwords or full 16-digit card numbers. Your wallet stays stored locally on your device or browser.
How is Washicard different from MaxRewards or CardPointers?
Washicard is private, fast, manual-stamp, and completely free. You never give away bank credentials or card numbers, there is no annual subscription, and you can track multiple copies of the same card separately.
Which credit cards does Washicard track?
245 US credit cards from every major bank, including American Express, Chase, Capital One, Citi, Bank of America, Wells Fargo, US Bank, Discover, and Barclays.
How does Washicard tell if a card paid for its annual fee?
Washicard calculates an Anniversary Year report for each card, totaling the dollar value of the credits and perks you actually used against the card’s annual fee, marking the card PAID once covered.
Which devices does Washicard work on?
Washicard runs on iPhone and iPad (iOS 17 or later), on Android phones, tablets and foldables (Android 8 or later), and in any browser at app.washicard.com. Large screens get a two-page layout, with Home and your wallet side by side.
Do I need an account to use Washicard?
No. Pick your cards and start stamping right away. Signing in with Apple or Google is optional and only turns on Washicard Cloud sync, so the same wall shows up on your other devices.
How does Washicard remind me about credits?
The iPhone and Android apps send reminders before a credit runs out and before an annual fee posts. They are scheduled on your device, not sent through our servers, and each can be switched off. Home also groups every credit by its deadline. The web app sends no notifications.
What if my card isn't in the catalog?
Add it yourself with its credits, or paste a list of your cards.
Does Washicard recommend cards or show approval odds?
Yes. Next card ranks cards by your approval odds, then the bonus, using bank rules like 5/24. Every rule is labeled as bank terms or applicant reports. Washicard never checks your credit, and paid links never change the order.
How does Washicard make money?
Washicard is free. Some Apply buttons are paid referral links, always labeled “Paid link”. If a bank approves you through one, it pays Washicard a referral fee at no cost to you.
Free · no sign-up · no bank logins · no card numbers