Credit card portfolio and renewal analysis

Review whether each card is earning its place

Quick answer: Ask Sensei helps you review a credit card portfolio using estimated rewards, supported spending-category data, recorded benefit usage, and annual fees. Free shows a limited spending and keep-or-cancel preview. Pro adds complete card analysis, category gaps, new-card considerations, retention paths, and conversational guidance.

A large benefits list does not answer whether you used enough of it to justify another annual fee. Ask Sensei shows the value assumptions and recorded usage behind each estimate, so you can review the tradeoffs before the renewal date.

Availability: Free includes a spending overview, up to five spending categories, and up to three keep-or-cancel results after supported spending-category sync. Pro adds complete analysis across your cards, new-card considerations, category gaps, retention paths, and conversational guidance from Ask Sensei.Current distribution: The web app is generally available; Chrome, Firefox, and Edge extensions are live; Safari is available on Mac (macOS 13.3 or later); Android is available on Google Play; the iPhone app is awaiting store approval.

Ask Sensei comparing estimated rewards, recorded benefit value, annual fees, and net annual value for example credit cards
Demo data shown. Estimates depend on spending categories, point values, recorded benefit usage, fees, and current card terms.

What Ask Sensei does

Spending by category

Review estimated annual spending by category after the browser extension syncs supported, derived spending-category totals.

Keep-or-cancel estimates

Compare estimated rewards and recorded benefit run rate with the annual fee for each card included in the analysis.

Recorded benefit value

Base benefit value on usage recorded in the current benefit period. Benefits without recorded usage count as zero in the estimate.

Visible assumptions

See the reward, benefit, fee, point-value, and cap inputs that shape an estimate before relying on its direction.

Portfolio gaps and card considerations

With Pro, review spending categories with weaker coverage and cards that may fit the spending profile you supplied.

Retention and downgrade paths

With Pro, explore a retention plan and possible product-change paths when a card’s estimated value needs a closer look.

Ask Sensei

With Pro, ask a question grounded in the wallet and available portfolio context, then review the underlying facts before acting.

How it works

  1. 1

    Add cards and current fees

    Keep the wallet, annual fees, and relevant card details current so each review starts with the cards you actually hold.

  2. 2

    Sync supported spending categories

    Install the browser extension and sign in on a supported issuer website to sync derived spending-category totals. Raw transaction descriptions stay in extension storage.

  3. 3

    Record benefit usage

    Mark benefits used as they happen. Ask Sensei annualizes recorded usage within the current benefit period and caps it at the listed maximum.

  4. 4

    Review the estimate before renewal

    Compare estimated rewards and benefit value with the annual fee, then inspect the categories and assumptions behind the result.

  5. 5

    Confirm account-specific consequences

    Check the current fee, issuer terms, product-change options, points consequences, and renewal date before changing or closing an account.

Ask Sensei FAQ

What does Ask Sensei include on the Free plan?

After supported spending-category sync, Free includes a spending overview, up to five spending categories, and up to three keep-or-cancel results. Unlimited card tracking still remains free elsewhere in RewardSensei.

What does RewardSensei Pro add to Ask Sensei?

Pro adds complete analysis across your cards, new-card considerations based on the spending profile, category gap analysis, detailed retention and downgrade paths, and conversational guidance from Ask Sensei.

How does Ask Sensei estimate a card’s annual value?

It combines modeled rewards from the available spending categories with the annualized value of benefit usage recorded in the current period, then subtracts the listed annual fee. Point-value assumptions, reward caps, and current card terms can change the result.

Does Ask Sensei copy raw transaction descriptions to the web app?

No. Ask Sensei uses supported, derived spending-category totals synced through the browser extension. Raw transaction descriptions stay in extension storage.

How are unused benefits treated in the estimate?

A benefit without recorded usage counts as zero. Recorded usage is annualized within the current benefit period and capped at the listed benefit maximum.

Does a keep-or-cancel result tell me to close a card?

No. It is an estimate for reviewing the tradeoffs. Confirm the annual fee, current benefits, product-change options, effect on points, credit implications, and issuer rules before making an account decision.

Are Ask Sensei estimates exact?

No. They depend on the spending categories, point values, benefit usage, fees, reward caps, merchant coding, and terms available at the time. Treat them as a starting point for a renewal review.

Try RewardSensei with your own cards

Start with the limited Ask Sensei preview on Free. Pro adds the complete portfolio analysis and personal guidance.

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