If you have a standard Tally offer, there are no membership fees to use Tally.
If you have a Tally+ membership, there’s an annual fee ($300) that’s paid from your credit line monthly ($25). This fee gets you access to a lower APR credit line with a higher credit limit that can save you thousands of dollars.
The bottom line: there are no hidden fees to use Tally. No late fees, no balance transfer fees, and no prepayment fees. We only make money when we can save you money on your credit card interest.