Annual Fee vs Rewards Calculator
Calculate whether a credit card’s annual fee is worth the rewards. Compare rewards rates, bonuses, and benefits to determine the best value for your spending habits.
Step 1: Credit Card Details
1.5%
Understanding Credit Card Value
Calculate the net value of a credit card by comparing the annual fee against rewards earned. Consider your spending patterns to determine if the fee is justified.
Step 2: Your Spending Profile
$100
Maximizing Credit Card Value
Cards with annual fees often offer higher rewards rates, better benefits, and larger welcome bonuses. Calculate if your spending justifies the fee.
Credit Card Value Analysis
Summary
Card Comparison
Breakdown
Annual Net Value
$265
Positive value: Card is worth the annual fee
Total Annual Rewards
$360
Annual Fee
$95
Welcome Bonus
$200
Other Benefits Value
$100
Credit Card Comparison
| Card Type | Annual Fee | Rewards Rate | Break-Even Spending | Best For |
|---|
Rewards Breakdown
Value Calculation Formula
Net Value = (General Rewards + Bonus Rewards + Welcome Bonus + Other Benefits) – Annual Fee
Calculate the true value of a credit card by subtracting the annual fee from all rewards and benefits earned.
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