Are Your Premium Credit Card Annual Fees Worth It?
Or just Marketing Hype and a Luxury Trap?
"Trust the math, not the marketing."
✔ No card selling • ✔ No issuer commissions • ✔ Math, not marketing
The "Lifestyle" Pitch
Promised Value
Credits for Saks & Equinox are often "Breakage"—money you wouldn't have spent otherwise.
The "Travel" Pitch
Promised Value
"Portal Inflation" is real. You often pay 5-10% more to book via Chase just to use your points.
The "Easy" Pitch
Promised Value
The $300 credit locks you into their portal, meaning you lose hotel status perks and direct rates.
The "Everyday" Pitch
Promised Value
The $100 hotel credit is notoriously hard to use, requiring a single $500+ portal booking.
You Pay in Fees. You Pay in Time.
The Poor Man's Tax (Late Fees)
Banks prey on the forgetful. While you might not pay this, it funds the marketing machine that traps you in the next cost...
The Rich Man's Tax (Breakage)
High earners don't pay late fees; they pay in "Unused Credits" and "Inflation". Banks count on you being too busy to redeem.
🛡️ Juno Auditor — A Credit Card Audit That Measures Real ROI
Credit Card Issuers pitch the Potential. We audit the Actuals.
We connect to your transaction history to prove if you are truly unlocking that value, or just subsidizing their $14B+ annual profits.
What You Get: The Fiduciary Audit
Juno Auditor independently analyzes your real spending, rewards, and fees. We measure the true cost of your cards—including the "Time Tax" of managing perks and the "Hoarding Tax" of holding depreciating points.
✔ Math, not marketing.
Our engine cross-references your spending against the Juno Master Database of 1,200+ card rules.
AUDIT SUMMARY
"I'm calling to downgrade my card to the no-fee version..."
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The Kill List
We tell you exactly which cards to keep, cancel, or downgrade based on your actual spending—not influencer hype.
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Breakage Detection
See exactly where you wasted money (e.g., "You missed 4 Uber credits ($60) and the Saks credit ($50)").
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Retention Scripts
Don't know what to say? We give you the exact word-for-word script to negotiate a retention offer or waive your annual fee.
Join the Private Waitlist
Be the first to know when JUNO Auditor launches. Lock in a 50% off Founding Member discount.
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We're currently in private beta. Join the waitlist to get early access.
See Your True ROI in 60 Seconds
Enter your spending below. We'll show you exactly how much money you're leaving on the table.
1. Input Your Data
Tell us about your wallet configuration.
(Amex Platinum, Gold, Sapphire Reserve, etc.)
How much is an hour of your free time worth?
2. Your Potential Recovery
*Based on 3 premium cards. Annual plan pricing shown.
Deterministic precision.
Not generative guessing.
We built a proprietary breakage engine that audits your credit cards against the Master Benefit Schema with fiduciary-grade precision. No hallucinations.
View Our Architecture →