Last updated: July 2026
In short: CCWorth is an independent tool that helps you estimate whether a credit card is worth its fee. It is not financial advice, the figures are estimates, and you are responsible for your own decisions. By creating an account or adding a card you agree to these terms.
CCWorth ("we", "us") is an independent tool for tracking and estimating the value of credit-card rewards, perks and statement credits against annual fees. All valuations, projections and "verdicts" are estimates based on assumptions you can change (for example, how much you value a point). They are illustrative only.
Nothing in CCWorth is financial, credit, tax or legal advice, a recommendation, or an offer. It does not account for your full circumstances. Always check the card issuer's own current terms and consider taking independent professional advice before applying for, keeping, or cancelling any product.
CCWorth is independent and is not affiliated with, endorsed by, or sponsored by American Express, Barclays, HSBC, British Airways, Virgin Atlantic, Marriott, Avios Group or any other issuer or brand. Product names and trademarks belong to their respective owners.
We work to keep card data reasonably current, but rates, fees, benefits and rules change and may be out of date or contain errors. Figures may not reflect your actual results. Verify everything against the issuer's official terms before acting.
An account (email + password) is required to save and sync your cards. Your data is handled as described in our Privacy Policy. You can delete your account and all associated data at any time from within the app.
Use CCWorth only for its intended personal purpose and lawfully. Don't attempt to disrupt, reverse-engineer, abuse, or gain unauthorised access to the service or other users' data.
CCWorth is provided "as is" and "as available", without warranties of any kind, express or implied, including accuracy, fitness for a particular purpose, or uninterrupted availability. To the maximum extent permitted by law, we are not liable for any loss, damage, cost or decision arising from your use of, or reliance on, CCWorth or its estimates — including financial losses, missed benefits, or actions taken on any card. Nothing in these terms limits liability that cannot be limited by law.
We may update these terms or the service from time to time. Continued use after a change means you accept the updated terms.
These terms are governed by the laws of England & Wales, and its courts have exclusive jurisdiction, unless mandatory local consumer law provides otherwise.