Is this card worth it?
The honest answer isn't the annual fee — it's the fee minus what you'd actually get back. Pick a card, value its points, and check off the credits you'd really use. We'll show you year-one value and whether to churn it, keep it, or skip it.
The card
Credits you'd realistically use
Uncheck the credits you wouldn't actually use — a credit you never redeem is worth $0, not its face value.
Verdict
Year-one value
+$6,369
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.
Hitting the $12,000 minimum spend needs $2,000/mo over 6 months. Your spend clears it.
Track your real numbers in the app
This is a projection. PointsCraft for iOS tracks the credits you actually use and the bonus you actually bank, then gives you this exact keep / churn verdict on your real wallet.
Coming soon to the App StoreFAQ
How is “worth it” calculated?
Year-one value = welcome bonus value (points × your cents-per-point) + the annualized value of the recurring credits you say you'd actually use − the annual fee. It's the same model the PointsCraft iOS app uses to show what your cards are really worth — a forward projection here, your actual captured value there.
What's the difference between Churn, Keep, and Skip?
Keep = the recurring credits you'd use cover the annual fee on their own, before the bonus — hold it long-term. Churn = year-one value is positive only because of the one-time welcome bonus; the credits alone don't cover the fee, so bank the bonus and cancel or downgrade before the second annual fee. Skip = even counting the bonus, year-one value is at or below the fee.
Why do I uncheck credits?
A credit is only worth its face value if you'd have spent that money anyway. A $200 airline-fee credit you never use is worth $0, not $200. Unchecking the credits you wouldn't realistically use keeps the verdict honest — the most common reason a premium card is “not worth it” is paying for credits you don't touch.
What point value should I use?
A sober one. Transferable currencies (Amex MR, Chase UR, Citi TYP) average ~2¢ for normal redemptions; sweet-spots reach 3–5¢ on the right routes. Hotel: Hilton ~0.5¢, Marriott ~0.75¢, Hyatt ~1.8¢. Don't plug in the best cpp you've ever seen on Reddit — value the card on what you'd typically get.
Do you save my inputs?
No — this page runs entirely in your browser. Nothing leaves your device. The iOS app keeps a persistent record of your real wallet and recomputes this verdict on the credits you've actually captured.