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Credit Card Rewards Without the Traps — worksheet
Before you start: where your answers live
What you type here is saved only in this browser, on this device, and it stays across visits — no account, nothing sent to a server.
It will be lost if you clear your browser/site data, use a different browser or device, or open the site in private/incognito mode. For anything you want to keep permanently, also save it elsewhere (print it, or copy it into your own notes).
Is this card working for me?
Answer for each card you carry.
How many cards?2
| Question | Card 1 | Card 2 |
|---|---|---|
| Do I pay the statement balance in full each month? | ||
| Reward type (cash back / points / miles) | ||
| Annual fee (if any) | ||
| Rewards + perks I actually used in the last year | ||
| Do those clearly beat the annual fee? | ||
| Has this card ever nudged me to spend more than I planned? | ||
| Working for me, or against me? |
Estimates and blanks are fine — add a column for each card you carry.
Everything you type saves automatically on this device — no account, nothing sent to a server. Clearing site data or switching browser/device erases it.