About Julia’s Wallet

Julia’s Wallet is a YouTube channel that tests credit cards the way a household would use them: a fixed yearly spending pattern, the credits a real person would actually use, and the arithmetic shown on screen. This site holds that arithmetic as tools you can run on your own numbers, one page per card with the terms and the date they were checked, and the videos with their chapters.

What the site is for

• Tools answer one question each, in plain words, with every assumption visible and changeable.
• Card pages show the Wallet Score, what the test assumed, and the issuer sources behind each figure.
• Videos are the tests themselves, with chapters so you can jump to the part you need.

What it is not

Julia’s Wallet is not a licensed financial advisor and does not know your situation. The site never asks for account numbers, never pulls credit, and never recommends a card for a commission: there are no affiliate links and no issuer partnerships. The disclosures page says so in full.

How it is made

The pages are generated from the records behind the videos, so a figure on a card page is the same figure Julia verified for the video, with the same date. The money arithmetic on this site is tested against the channel’s own calculations to the cent. The editorial policy explains the Wallet Score and how often terms are re-checked.