Annual-fee worth-it checker
A premium card can be a bargain or a waste, depending on how you use it. Add up the rewards you expect plus the cash value of perks you will actually use, and weigh it against the annual fee to see whether the card pays for itself.
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Cash back, points, or miles you expect to earn in a year.
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Lounge passes, travel credits, insurance - only count what you will actually use.
Results appear after clicking
Add your numbers and click to see whether the fee is worth it
Net value after the annual fee
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Total value per year
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Value vs fee
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Educational estimate, not financial advice. The result is only as good as your inputs - be honest about which perks you will use. Confirm the fee and benefits with the issuer.