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 actually use each year.
⚠ 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 credit | $ | $ |
| Fine Hotels & Resorts credit | $ | $ |
| Uber Cash | $ | $ |
| Digital entertainment credit | $ | $ |
| Equinox membership credit | $ | $ |
| CLEAR Plus credit | $ | $ |
| Saks Fifth Avenue credit | $ | $ |
| Lounge access (est. 12 visits × $30) | $ | $ |
Your results
Reconsider — only 0% covered
At $0 used against a $895 fee, the card costs $895/yr for benefits you barely touch.
Plan a downgrade or cancel call →Use $895 more in perks to break even.
Total perks available
$2,269
on your card
Total you'll use
$0
annual value
Net annual cost
$895
after credits you use
Value left on table
$2,269
in unused perks
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 (airline credit, hotel credit, Uber Cash, digital entertainment, Equinox, CLEAR, lounge access), but those credits are narrow and often expire monthly or by category. Load the Amex Platinum preset, mark only the credits you'll realistically use, and the calculator returns your personal net cost — not the marketing number.
- 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 May 2026