I aggressively track my recurring subscriptions, but I still feel like sometimes my primary credit card balance is rising more rapidly than I can account for. And the data we get on our statements seems purposefully crafted to confuse and bewilder instead of inform. Part of it is the difference between the "balance" and the "available credit", the latter of which includes things like invisible holds and unprocessed payments. The two numbers are never the same, and I have no clear way of tracking the relationship between those two numbers.
That's a long way of saying that $100/year might not be such a bad deal to get some genuine visibility about my own spending. Especially since the companies currently providing me the information about my spending are, essentially, my enemies.