Annual fee calculator
Model whether a premium card is still paying rent.
Select a card, check the benefits you actually use, and estimate how much bonus spend it still needs to justify renewal.
Current verdict
Downgrade pressure
The remaining gap is large enough that a cheaper setup or downgrade path deserves serious consideration.
1. Select a card
Choose an annual-fee card to evaluate. Cards are sorted by annual fee.
2. Check benefits you use
Modeled values are conservative estimates, not issuer promises.
$0 selected
No structured benefits were found for this card yet, so the fee math will lean on category rewards only.
3. Break-even math
Annual fee
$695
Benefit value
$0
Remaining gap
$695
4. Best reward lanes
Spend needed assumes a simple 2% cash-back baseline and values the card’s category multipliers at face earning rate.
Flights
5x earn rate, about 3.0% above a 2% fallback
$23,167
annual spend needed
Roughly $1,931 per month in Flights spend would close the remaining gap.