Premium Card Calculator
Calculate rewards, fees, and benefits for premium credit cards. Compare annual fees, rewards rates, and estimate your potential savings.
Step 1: Card Details
1.5%
Rewards Calculation
Rewards value = (Annual Spend × Rewards Rate) – Annual Fee. Premium cards often have higher rewards rates but also higher annual fees.
Step 2: Benefits & Features
Benefit Valuation
Remember to value benefits based on your actual usage. Travel credits and lounge access only provide value if you use them.
Premium Card Value Analysis
Summary
Value Breakdown
Card Comparison
Net Annual Value
$325.00
Positive value – Card pays for itself
Annual Rewards Earned
$225
Total Benefits Value
$250
Effective Annual Fee
-$150
Return on Spend
2.17%
Value Breakdown
| Benefit Type | Value | Description | Annual Impact |
|---|
Card Comparison
Card Value Formula
Net Value = (Spending × Rewards Rate) + Benefits – Annual Fee
Calculate total rewards from spending, add value of all benefits, then subtract the annual fee to determine if the card provides positive value for your usage patterns.
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