Is this card actually worth it?
Pick a card and see the honest dollar verdict — the welcome bonus plus the credits you'd actually use, minus the annual fee. Keep, churn, or skip, across 97+ cards — before you apply.
+$6,369
year-one value
- Welcome bonus175,000 pts × 2.0¢
- +$3,500
- Recurring creditsif fully used
- +$3,764
- Annual fee
- −$895
- Ongoing (year 2+)credits − fee, no bonus
- +$2,869
Worth keeping long-term. The recurring credits you'd actually use cover the annual fee on their own, before the welcome bonus even enters the math.
Assumes you use every recurring credit and value points at a sober default. Uncheck what you wouldn't use in the full calculator.
Worked examples
The fee isn't the answer — the fee minus what you get back is
+$6,369
year-one value
- Annual fee
- $895
- Ongoing (year 2+)
- +$2,869
+$704
year-one value
- Annual fee
- $395
- Ongoing (year 2+)
- +$704
+$2,099
year-one value
- Annual fee
- $325
- Ongoing (year 2+)
- +$99
97 cards, ready to drop in.
Tap +, pick a template, get every recurring credit pre-populated with the current value. Customize anything; we keep your edits.
American Express
Amex Platinum
$895/yr · 14 benefits
American Express
Amex Business Platinum
$895/yr · 9 benefits
American Express
Amex Platinum for Schwab
$895/yr · 14 benefits
American Express
Amex Platinum for Morgan Stanley
$895/yr · 15 benefits
Chase Ultimate
Chase Sapphire Reserve
$795/yr · 6 benefits
United
United Club Infinite
$695/yr · 5 benefits
Marriott Bonvoy
Marriott Bonvoy Brilliant
$650/yr · 2 benefits
Delta
Delta Reserve
$650/yr · 3 benefits
Delta
Delta SkyMiles Reserve Business (Amex)
$650/yr · 4 benefits
AAdvantage
Citi AAdvantage Executive World Elite
$595/yr · 5 benefits
American Express
Amex Platinum
$895/yr · 14 benefits
American Express
Amex Business Platinum
$895/yr · 9 benefits
American Express
Amex Platinum for Schwab
$895/yr · 14 benefits
American Express
Amex Platinum for Morgan Stanley
$895/yr · 15 benefits
Chase Ultimate
Chase Sapphire Reserve
$795/yr · 6 benefits
United
United Club Infinite
$695/yr · 5 benefits
Marriott Bonvoy
Marriott Bonvoy Brilliant
$650/yr · 2 benefits
Delta
Delta Reserve
$650/yr · 3 benefits
Delta
Delta SkyMiles Reserve Business (Amex)
$650/yr · 4 benefits
AAdvantage
Citi AAdvantage Executive World Elite
$595/yr · 5 benefits
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