← CALCULATORS
CARD FEE BREAK-EVEN
Does the annual fee earn its keep against a flat-rate card, at your spend?
Add up the statement credits and perks with a cash value
Assumption: be stingy. Credits you would not buy anyway are not savings
Assumption: the no-fee card you would use instead
YOUR SPEND ON THE PREMIUM CARD
Effective reward % is what a dollar of that spend earns you in cash terms: your valuation, not the issuer's headline
Enter your spend and reward rate for at least one category (with valid values in every field) to see whether the fee pays for itself