How to Find Every Subscription on Your Credit Card (2026 Guide)

Updated 2026-02-18 · 7 min read

💸 The average American pays for 12 subscriptions totaling $219/month ($2,628/year)

And most people underestimate their subscription spend by 2-3x. The charges are small enough to ignore individually but devastating in aggregate.

The Fastest Method: Upload Your Statement

Upload your bank or credit card statement (PDF or CSV) to JustCancel.io and we'll automatically identify every recurring charge. It takes 30 seconds and finds subscriptions you forgot about.

DIY Method: Bank-by-Bank Guide

Chase

Log in at chase.com
Go to your card → Statements & activity
Download last 3 months as CSV
Sort by merchant name → look for repeating charges
Or: use Chase's Subscription Manager feature (under account services)

American Express

Log in at americanexpress.com
Go to Statements & Activity
Amex has a built-in Subscriptions & Memberships feature — click it to see detected recurring charges
This shows the merchant, amount, frequency, and total annual cost

Capital One

Log in at capitalone.com
Go to your card → Transactions
Download transactions as CSV (last 90 days)
Capital One Eno may flag recurring charges automatically

Bank of America

Log in at bankofamerica.com
Go to Activity & statements
Download as CSV or QFX
BofA's spending categories can help identify subscription-type charges

Common Hidden Charges to Look For

APPLE.COM/BILL — could be iCloud, Music, TV+, Fitness+, app subscriptions, or game purchases. Check Settings → Subscriptions on your iPhone.
GOOGLE* — Google One, YouTube Premium, Play Store app subscriptions. Check play.google.com/store/account/subscriptions
AMZN* or AMAZON — Prime, Music, Audible, Kindle Unlimited, Subscribe & Save items
PAYPAL* — any subscription billing through PayPal. Check paypal.com → Settings → Payments → Manage automatic payments
Unrecognizable names — many services use parent company names (e.g., "MATCH GROUP" for Tinder/Hinge/Match)

The Nuclear Option: Replace Your Card

If you can't find or cancel a charge:

Request a new card number from your bank (most allow this online)
All subscriptions tied to the old number will fail at next billing
Then selectively re-add your new card to the services you actually want
⚠️ Warning: This will also interrupt legitimate autopayments (utilities, loan payments). Update those first.

Prevent Future Subscription Creep

Use a dedicated card for subscriptions — makes tracking easy, one statement shows everything
Set calendar reminders for every free trial end date
Use virtual card numbers (Capital One, Citi) for free trials — auto-decline when trial ends
Review subscriptions quarterly — set a recurring reminder
Apple Screen Time can show you app usage — if you haven't opened an app in 30 days, cancel its subscription

Skip the spreadsheet — let us find them

Upload your bank statement (PDF or CSV) and JustCancel identifies every recurring charge in seconds. No signup required.

Find My Subscriptions →