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Track credits and benefits
Keep recurring statement credits and card benefits in one place, with a clear view of what you’ve used and what still needs attention.
Free credit card benefit tracker
Use your benefits.
Keep more value.
Netcarda Free is a browser-based credit card benefit tracker for statement credits, recurring perks, reset dates, and annual fees. See what you’ve used, what remains, and the value you’re actually getting from your cards — without turning your wallet into another finance dashboard.
Netcarda Free requires no signup, login, payment, bank connection, or card number.
NETCARDA OVERVIEW
See your wallet at a glance.
Tracked credits$424
Effective annual fee−$99
Monthly credit progressStay on top of what resets and what expires next.
Private by defaultThe Free version stores your wallet locally in your browser.
NETCARDA PLUS
More ways to manage your wallet.
Business cardsTrack supported business cards alongside your personal wallet.
Cloud syncKeep your Plus wallet available across your signed-in devices.
Cross-devicePick up your tracking anywhere you are signed in to Netcarda.
More custom cardsBuild beyond the standard card library when you need to.
Netcarda Plus activeYour account has Plus access.
Why Netcarda
Focused on the part you actually need.
Netcarda is built for one job: helping you keep track of the value already attached to your cards. See statement credits, recurring benefits, reset dates, annual fees, and what you have actually used without opening another budgeting dashboard.
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Track reset dates and annual fees
Monthly, quarterly, semiannual, and annual benefits do not all run on the same clock. Netcarda helps you keep those reset dates and annual fees visible.
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Start without an account
Open Netcarda Free and start tracking immediately. Your tracker data is stored locally in your browser instead of requiring a Netcarda cloud account.
How Netcarda Free works
Three small habits make a complicated wallet easier to read.
Netcarda Free is intentionally manual and local-first. You choose the cards you want to follow, update benefit usage as you go, and use the tracker to see the wallet-level picture without handing over bank credentials.
STEP 1 · ADD YOUR CARDS
Start with the cards you actually carry. Supported cards bring their benefits into one view, and the Free version also gives you a custom-card option.
STEP 2 · UPDATE WHAT YOU USE
When a statement credit posts or you use a benefit, update it in the tracker. Free does not connect to your bank or watch transactions in the background.
STEP 3 · SEE WHAT REMAINS
See remaining benefit value, upcoming reset periods, and the effective annual fee based on the value you record.
New to the terminology? Read how statement credits work, see how annual fees affect card value, or use the credit card benefit checklist.
About
A simpler place to manage benefits and stored balances.
Netcarda was built around a simple problem: premium cards can contain real value, but that value arrives on different schedules and often comes with fine print. The Free tracker keeps the manual workflow lightweight and local-first; Netcarda Plus adds an account, cloud sync, business-card tracking, and more room for Custom Cards.
Netcarda does not issue cards or redeem benefits for you. It is an organizational tool designed to make the benefits already in your wallet easier to understand and track.
Current product structure
Free stays simple. Plus adds convenience.
Free: no account, browser-local storage, core credit tracking, Custom Cards.
Plus: account-based cloud sync, business cards, up to 20 Custom Cards, and cross-device access, with additional automation planned for future releases.
NETCARDA LEARNING CENTER
Understand the cards, credits, fees and fine print.
One learning center now brings together evergreen explainers, practical guides, comparisons, card news and Netcarda insights.
Contact
Questions, feedback, or a card update?
Send a note to the Netcarda team. Messages from this form are delivered to contact@netcarda.com.
Useful reasons to reach out
Report a card change
Annual fee, benefit amount, reset timing, issuer change, or a new supported card.
Product feedback
Tell us what's confusing, what's useful, and what you'd want Netcarda to do next.
Legal
Policies and disclosures in one place.
Review the terms that govern use of Netcarda and learn how data is handled in the Free and Plus experiences.
KEEP EXPLORING
Research a card or learn how the details work.
The homepage stays focused on Netcarda itself. When you want to go deeper, use the card library or the Learning Center.