Annual Fee Calculator
Is the annual fee actually worth it — for you?
Premium credit cards make money look terrible until you do the math. Answer how you actually live, see your real net cost after credits.
Pick a card
Annual fee
$895
Sticker price
Credits captured
$0
Answer below to see your number
Net (ongoing year)
$-895
Not worth it — pick a lower-fee card
First-year math
Most credits are split into monthly micro-amounts — track them or you'll burn $300+/yr unused.
Answer 9 questions about your habits
Do you use Uber rides or Uber Eats at least once a month?
$15/mo, $35 in Dec — must be linked to your Amex
Do you fly a single airline regularly (Delta, United, AA)?
Bag fees, seat upgrades, in-flight purchases — needs enrollment
Will you book a 2+ night stay at a Fine Hotels & Resorts property this year?
Auto-applies when booking through Amex FHR
Do you pay for Disney+, Hulu, Peacock, or NYTimes?
$20/mo across eligible subscriptions
Would you spend $50 at Saks twice a year?
$50 Jan–Jun + $50 Jul–Dec
Are you an Equinox or Equinox+ member?
Will you sign up for or renew CLEAR Plus?
Do you book Resy restaurants at least once a month?
Will you renew Global Entry/TSA PreCheck this year?
$100 every 4–4.5 years, so ~$25/yr amortized
Next step
Will you actually be approved?
Take the 1-minute Approval Predictor to see your odds before submitting an application that triggers a hard pull.