Annual Fee vs. Benefit Tool

Determine if a credit card's annual fee is worth it based on your spending habits and perk utilization.

1. Card Basics

$
The total upfront yearly cost of the credit card.
%
The rate you would earn on a standard, no-annual-fee card (e.g., 2% cash back).

2. Annual Perks & Credits

Estimate the real monetary value you derive from statement credits, lounge access, or insurance benefits per year.

$
E.g., Uber credits, hotel credits, airline incidentals that you actually use.

3. Annual Spending & Rewards

Enter your projected annual spending and the effective reward rate (or point value) you earn on this card.

$
%
Tip: Blending category multipliers? Use your expected average multiplier (e.g., if you earn 4x on food and 1x elsewhere, enter your average estimated return rate).
Net Annual Value
$0.00
Calculating...

Breakdown Analysis

Gross Rewards Earned $0.00
Opportunity Cost (vs No-Fee Card) -$0.00
Perks & Credits Value +$0.00
Effective Annual Cost $0.00
Spend Required to Break Even $0.00