Credit card annual fee calculator
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%
Your own estimate of what its rewards are worth per dollar spent.
%
The card you would use otherwise. Enter 0 to compare with no rewards.
$
Only what you would have bought anyway.
$
Yearly spending at which the fee is covered
$100,000
$8,333 a month, at 0.50% more back per dollar than the other card
- Fee left after credits
- $500
- Extra back per dollar
- 0.50%
- Ahead or behind at $30,000 a year
- -$350
The reward rates and the value of the credits are your own estimates. Points are worth what you can actually redeem them for, which is often less than the headline figure. Interest is left out: if a balance is carried, the interest is usually far larger than any reward. Sign-up bonuses are left out because they are paid once. An estimate, not financial advice.