Annual Fee Value Calculator
See whether your credit card annual fee is worth it. Enter which credits and perks you actually use and get a clear net-value breakdown — instantly, all client-side.
Select a card to start
Credits & perks
Adjust the Available column to match your card, then enter how much you expect to use each year. Enter 0 for benefits you do not use; blank fields are unanswered.
⚠ Preset figures are estimates based on published terms. Benefits change — verify current amounts with your card issuer before making decisions.
| Perk / credit | Available | You use |
|---|---|---|
Airline creditIssuer credit per calendar year · One selected qualifying airline; enrollment required. | $ | $ |
FHR / The Hotel Collection hotel creditIssuer credit resets twice yearly · $300 each half-year; prepaid via Amex Travel; THC requires 2 nights. | $ | $ |
Uber CashIssuer credit resets monthly · $15 monthly plus $20 in December; US rides and orders. | $ | $ |
Digital entertainment creditIssuer credit resets monthly · $25 monthly; enrollment required. | $ | $ |
CLEAR Plus creditIssuer credit per calendar year · Statement credit for a CLEAR Plus membership; enrollment required. | $ | $ |
Lounge access estimate (12 visits × $30)Estimate annual value · Centurion Lounges; 10 Delta Sky Club visits on Delta flights; Priority Pass enrollment required. | $ | $ |
Resy creditIssuer credit resets quarterly · $100 quarterly at qualifying US Resy restaurants; enrollment required. | $ | $ |
lululemon creditIssuer credit resets quarterly · $75 quarterly at US stores excluding outlets and lululemon.com; enrollment required. | $ | $ |
Uber One membership creditIssuer credit per calendar year · Auto-renewing Uber One membership. | $ | $ |
Enter your usage
Complete the annual fee, Available and You use amounts to see an estimate. A blank amount is not zero.
Track these credits in Perkmon — get alerts before they expire and never leave value on the table.
Track in Perkmon →Frequently asked questions
- How is this different from a credit card fees comparison?
- A fees comparison table tells you the sticker price — what every card charges. This tool answers the question that actually matters: is the fee worth it for you. You enter the credits you actually use, not the maximum theoretical value, and get a personalized net cost plus a keep / borderline / reconsider verdict. We never publish a static fee list for casual lookup — the calculator is the product.
- Is the Amex Platinum worth its $895 annual fee?
- It depends on what you'll redeem. The Platinum advertises $2,000+ in potential annual value, including airline and hotel credits, Uber Cash, digital entertainment, Resy, lululemon, a CLEAR Plus credit up to $219, and lounge access. Those benefits have enrollment, channel, and reset conditions, so load the Amex Platinum preset, mark only what you'll realistically use, and the calculator returns your personal net cost — not the marketing number.
- How current are the card presets?
- The presets are a curated set of high-signal credits and adjustable estimates, not an exhaustive list of every benefit, and were verified as of October 2026. The selected preset shows its source and exact as-of date in the tool, with an official issuer link where confirmed and a visible secondary-reporting note when official-page confirmation is still pending.
- How do I calculate if a credit card annual fee is worth it?
- Add up the dollar value of credits and perks you realistically use each year, then subtract from the annual fee. Zero or negative means the card pays for itself. This calculator does that math row by row so you can be honest about which credits you actually redeem versus the ones you ignore.
- What does annual fee coverage mean — and what's a good number?
- Coverage is the percentage of the annual fee offset by perks you actually use. 100% means break-even; above 100% means net gain. As a rule of thumb the calculator uses: ≥100% suggests keeping the card, 50–99% is borderline (worth a retention call or downgrade), and under 50% means the card is leaking money — reconsider it before renewal.
- When should I use the Retention Call Planner instead?
- Use the Annual Fee Value Calculator first to see whether the card pays for itself this year. If it doesn't, the Retention Call Planner walks you through the keep / downgrade / cancel decision and gives you a checklist for the actual phone call — including renewal-date timing so you stay inside your issuer's refund window.
- How do I track credit card perks to maximize annual fee value?
- The easiest way is a dedicated app like Perkmon, which lists every benefit, sends expiry alerts before credits reset, and logs what you've redeemed. The biggest reason high-fee cards 'feel' not worth it is forgetting to use credits you already paid for.
Updated October 2026