Is each card still worth its fee? Know before it renews.
Nanvero sets the credits you've used and the points you've earned against each card's annual fee — at your own value for the points — so renewal is a decision, not a surprise.
Your cards · this card year
Example data throughout this page
What is Nanvero Cards?
Nanvero Cards shows whether each rewards card you hold is earning back its annual fee — the credits you've used and the points you've earned this card year, valued at your own rate, against what the card costs. It tracks the credits still to use before they reset, reads the card statements you forward, and names the card that returns most on each kind of spend. No bank login: it works from statements and the figures you add.
The fee against what the card actually gave you.
For each card year, Nanvero adds the statement credits you used and the points the card earned — valued at your own rate for that program — and sets them against the annual fee. The card is ahead or behind by that much. Lounge access, a companion voucher or hotel status count too, but only at the value you give them, shown apart from the cash.
Chase Sapphire Reserve · this card year
- Annual fee
- −$795
- Travel credit used
- $300
- 18,500 points at your 1.6¢
- $296
- In cash
- $199 behind
- Lounge access, as you value it
- $250
- Worth it to you
- $51 ahead
Renews in 41 days. The Edit hotel credit still has $500 to use before then.
Every credit, before it resets.
Pick your card from the list and its statement credits come with it, each on its own cycle — monthly, twice a year, yearly or on your card anniversary. Nanvero shows what's left in each and resets them on time, and a statement that shows a credit being used updates it.
Amex Gold · credits left
- Resy credit$50 twice a year
- $50 leftresets in 13 days
- Uber Cash$10 a month
- $10 leftresets in 3 days
- Dunkin' credit$7 a month
- $7 leftresets in 3 days
- Dining credit$10 a month
- Used
Forward the statement. It does the adding up.
Forward a card statement PDF, or upload it. Nanvero reads the spend, the points earned, any bonus points, the credits that posted and the annual fee, and puts each against the right card year. When a line could be a credit and it can't tell, it asks you instead of guessing.
What this statement added
- Spend
- $2,840
- Points earned
- 9,120
- Annual travel credit
- $300 used
The right card for each kind of spend.
For dining, groceries, flights, hotels and everything else, Nanvero names the card you hold that returns most — its earn rate times your own value for its points. It compares each one with a flat cashback card too, so you can see where a points card isn't pulling its weight.
Which card for what
- DiningAmex Gold · 4x
- 7.2%
- GroceriesAmex Gold · 4x at US supermarkets
- 7.2%
- Flights and hotelsSapphire Reserve · 4x
- 6.4%
- Everything elseAmex Gold · 1x
- 1.8%below 2% cashback
The rest of what a card asks of you.
- Renewal
- Thirty days before the fee, an email with how far ahead or behind the card is and the credits still to use.
- Welcome bonus
- The minimum spend counted down to its deadline, with a reminder at 30 and 7 days while you're short.
- Fee calendar
- Every annual fee due in the next twelve months, month by month.
- Spend rewards
- Progress toward rewards a card unlocks at a spend target, like a companion voucher or a free night.
- Retention offers
- The offer you were given to stay, its spend target, and a reminder 14 days before it closes.
- Your card year
- Each January, one email with every card's fees, credits used and points — and which ones came out ahead.
Three steps, then a clear answer.
- 01
Add the cards you hold
Pick each card from the list and its annual fee and statement credits fill in. Your renewal date sets the card year.
- 02
Forward a statement
Forward the PDF or upload it. Nanvero reads the spend, points, bonuses, credits used and fee, and asks about any line it isn't sure of.
- 03
Know before it renews
Each card shows whether it's ahead or behind this card year, and 30 days before the fee you get an email with the numbers.
Questions, answered.
For each card year it adds the statement credits you've used and the points the card earned, valued at your own rate for that program, and sets them against the annual fee. The card reads as ahead or behind by that amount. If you give a value to perks like lounge access or a companion voucher, they count too — at your figure, shown separately.
No. It shows the numbers — ahead or behind, credits left, what renewal will cost — and you decide. It also keeps any retention offer you were given, with its spend target and deadline.
No. Nanvero never signs in to your bank or card issuer. It reads the statement PDFs you forward or upload, and the figures you add yourself. Statements are read and then discarded — the PDF isn't kept.
Points and miles cards from the major US and UK issuers are on the list, with their fees, statement credits and earn rates; a debit card or bank product that earns points can be added too. A card that isn't listed can still be added by hand with its fee.
Each credit keeps its own cycle — monthly, twice a year, yearly or on your card anniversary — and resets itself when a new period starts. A statement that shows a credit being used updates it, and an email reminds you 14 days before a twice-yearly, yearly or anniversary credit with money left resets.
For each kind of spend — dining, groceries, flights, hotels and the rest — the card you hold that returns most, using its earn rate and your own value for its points. It also shows how that compares with a flat cashback card, so you can see where a points card isn't pulling its weight.
You can keep your cards and their annual fees on each program's page on the free plan, and get a renewal reminder with the date and fee. The Cards tab — ahead or behind, credits, statement reading and Which card — is part of Nanvero Pro, with unlimited programs, Trips, Redemptions, Playbook and the Map.
Trips
Every booking in one itinerary, with pre-trip checks, split costs and tickets offline.
Opportunities
Transfer bonuses priced against what you hold, points about to lapse, and where your balances already reach.
Playbook
Name the redemption you want and see the cheapest way to close the gap.
Redemptions
Log what you booked with points and see the value per point against your own rate.
Map
Everywhere you've been on a real globe, with the figures you choose — ready to post.
Keep the cards
that pay their way.
See whether each card is earning its fee, before the next one is charged.
No loyalty passwords, ever14-day money-back on annual plansCancel anytime