Free tool
What would each card pay you?
Enter what you spend in a month. We'll show what every card earns on it after its annual fee, and whether a fee pays for itself.
Best cards for this spending
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Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending
Questions people ask
How do I know if a credit card annual fee is worth it?
Add up what the card earns on your actual spending, plus the credits you would really use, and subtract the fee. If that beats the best no-fee card on the same spending, the fee is worth it. This calculator does that for every card.
How does the calculator value points and miles?
At conservative cash values for each program (for example 1¢ for Chase Ultimate Rewards and 0.5¢ for Hilton Honors), not best-case transfers. Store-only rewards count at half.
Already have cards?
The full quiz also counts the cards in your wallet, so it ranks what a new card would add on top of them.
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