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
Annual fee coverage0%
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
- Is the Amex Platinum worth its $895 annual fee?
- The Amex Platinum can be worth more than its $895 annual fee if you use its credits. The card offers up to $2,000+ in potential annual value including a $200 airline credit, $600 hotel credit, $200 Uber Cash, $300 digital entertainment credit, and more. Whether it's worth it depends entirely on how many of those perks you actually redeem each year. Use this calculator to enter what you use and see your personal net cost.
- How do I calculate if a credit card annual fee is worth it?
- To calculate whether an annual fee is worth it, add up the dollar value of all the credits and perks you realistically use each year. Subtract that total from the annual fee. If the result is zero or negative, the card pays for itself. This calculator lets you enter each perk individually, adjust what you actually use, and see your personalized net cost instantly.
- What does annual fee coverage mean?
- Annual fee coverage is the percentage of your card's annual fee that is offset by the credits and perks you actually use. A coverage of 100% means the perks you use fully cover the fee. Coverage above 100% means the card is net positive — you profit from keeping it even after paying the annual fee.
- How do I track credit card perks to maximize annual fee value?
- The easiest way to track credit card perks is with a dedicated app like Perkmon, which shows all your benefits in one place, sends expiry alerts before credits reset, and logs what you have already redeemed. This prevents forgetting about perks that could offset your annual fee — a common reason high-fee cards feel 'not worth it'.
Updated May 2026