The One Subscription Cost That’s Easy to Miss on Your Credit Card Statement

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[[{“value”:”There’s a reason so many businesses are shifting to a subscription model: it’s sticky.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. Once you’re in, you’re likely to stay — especially when the cost is broken into small, forgettable monthly amounts.Many of us are too busy (or too lazy) to deal with customer service and figure out how to cancel. According to a 2022 survey by C+R Research, 42% of Americans have let a subscription renew without realizing it, and the average person spends $133 more than they thought each month.That’s hundreds of dollars a year slipping through the cracks.Why some subscriptions are so easy to missMany businesses count on the fact that you won’t notice (or won’t care) about a $6.99 charge buried in your credit card statement.Here are some clever tricks they pull to make subscriptions sticky:Free trials that quietly turn paid: You meant to cancel after seven days. Now you’ve been charged for three months.Vague billing names: You think you signed up for “MovieZone,” but the charge shows up as “MZ Ent. LLC,” making it easy to skip overAnnual auto-renewals: These are the sneakiest, because they’re usually forgotten about shortly after.Canceling subs became such a pain point for consumers that the FTC rolled out a “click to cancel” rule. But even with that in place, it’s still super easy to forget about charges that sneak onto your statements.Let your credit card do some of the workOne easy way to stay on top of recurring charges? Put all your subscriptions on the same credit card. That way, you only have one statement to check when you’re hunting down forgotten fees.And for the subscriptions you want to keep, you could earn some cash back or points for those charges. Some rewards credit cards give you bonus points for recurring bills, like streaming services or digital subscriptions.A few cards also come with built-in spending insights and alerts that can help flag weird or new charges.Want to earn rewards for the bills you’re already paying? Check out our top credit card picks for digital subscriptions and everyday spending.How to catch and cancel sneaky subscriptionsHere are a few tactics to help you outsmart sneaky subscriptions and be more aware of your spending.Review your transactions every monthA quick scroll through your credit card or bank app can spot forgotten charges. Sort by “recurring” or look for similar amounts. Some banks come with built-in budgeting apps that can help you spot charges.Set calendar remindersIf you sign up for a free trial, immediately create a calendar reminder a few days before the renewal date.Cancel right after signing upWeird tip, but it works. Some platforms let you cancel immediately after activating the trial. They may also have a “don’t auto-renew” option so you won’t be automatically charged when the promo period ends.Ten bucks here, 15 bucks there…it all adds up. Even if you only have five unused subscriptions at $10 per month, that’s $600 a year wasted.Subscriptions aren’t evil. But they can be sneaky. With a little attention and some digital backup, you can catch those leaks before they waste your money.Make sure every dollar you spend is working for you. Check out our top-rated rewards credit cards and see which one gives you the best bang for your buck.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.”}]] [[{“value”:”

There’s a reason so many businesses are shifting to a subscription model: it’s sticky.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

Once you’re in, you’re likely to stay — especially when the cost is broken into small, forgettable monthly amounts.

Many of us are too busy (or too lazy) to deal with customer service and figure out how to cancel. According to a 2022 survey by C+R Research, 42% of Americans have let a subscription renew without realizing it, and the average person spends $133 more than they thought each month.

That’s hundreds of dollars a year slipping through the cracks.

Why some subscriptions are so easy to miss

Many businesses count on the fact that you won’t notice (or won’t care) about a $6.99 charge buried in your credit card statement.

Here are some clever tricks they pull to make subscriptions sticky:

• Free trials that quietly turn paid: You meant to cancel after seven days. Now you’ve been charged for three months.
• Vague billing names: You think you signed up for “MovieZone,” but the charge shows up as “MZ Ent. LLC,” making it easy to skip over
• Annual auto-renewals: These are the sneakiest, because they’re usually forgotten about shortly after.

Canceling subs became such a pain point for consumers that the FTC rolled out a “click to cancel” rule. But even with that in place, it’s still super easy to forget about charges that sneak onto your statements.

Let your credit card do some of the work

One easy way to stay on top of recurring charges? Put all your subscriptions on the same credit card. That way, you only have one statement to check when you’re hunting down forgotten fees.

And for the subscriptions you want to keep, you could earn some cash back or points for those charges. Some rewards credit cards give you bonus points for recurring bills, like streaming services or digital subscriptions.

A few cards also come with built-in spending insights and alerts that can help flag weird or new charges.

Want to earn rewards for the bills you’re already paying? Check out our top credit card picks for digital subscriptions and everyday spending.

How to catch and cancel sneaky subscriptions

Here are a few tactics to help you outsmart sneaky subscriptions and be more aware of your spending.

Review your transactions every month

A quick scroll through your credit card or bank app can spot forgotten charges. Sort by “recurring” or look for similar amounts. Some banks come with built-in budgeting apps that can help you spot charges.

Set calendar reminders

If you sign up for a free trial, immediately create a calendar reminder a few days before the renewal date.

Cancel right after signing up

Weird tip, but it works. Some platforms let you cancel immediately after activating the trial. They may also have a “don’t auto-renew” option so you won’t be automatically charged when the promo period ends.

Ten bucks here, 15 bucks there…it all adds up. Even if you only have five unused subscriptions at $10 per month, that’s $600 a year wasted.

Subscriptions aren’t evil. But they can be sneaky. With a little attention and some digital backup, you can catch those leaks before they waste your money.

Make sure every dollar you spend is working for you. Check out our top-rated rewards credit cards and see which one gives you the best bang for your buck.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.

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