← All Tools

Annual Fee Breakeven

Annual fee math only matters if the assumptions are honest. Credits only count for what you would actually use, so the tool starts at a realistic use rate instead of face value. Move the slider or edit any credit to match your real spending.

Select up to 3 cards to compare

A $400 dining credit is worth $400 only if you would have spent it anyway. Free night awards and anniversary miles are valued as estimates and are not scaled by this slider. Edit any single credit below to override it.

Amex Platinum

Apply Now →
Annual Fee$895
Credits at your use rate−$746
Net Effective Fee$149
If you used every credit in full+$2,089 net positive

Chase Sapphire Reserve

Apply Now →
Annual Fee$795
Credits at your use rate−$443
Net Effective Fee$352
If you used every credit in full+$975 net positive

Capital One Venture X

Apply Now →
Annual Fee$395
Credits at your use rate−$260
Net Effective Fee$135
If you used every credit in full+$90 net positive

Amex Platinum

Apply Now →

5x flights booked direct or via Amex Travel, 5x prepaid hotels via Amex Travel, 1x everything else

$200 Airline Fee Creditannual

Incidental fees on one selected airline each calendar year.

$
max: $200
$200 Uber Cashmonthly

$15 monthly plus $20 in December for US Uber rides or Eats.

$
max: $200
$600 Hotel Creditannual

$300 semi-annually on prepaid Fine Hotels + Resorts or The Hotel Collection bookings via Amex Travel. THC requires a 2-night minimum.

$
max: $600
$300 Digital Entertainmentmonthly

Up to $25 monthly on eligible streaming and digital subscriptions. Enrollment required.

$
max: $300
$400 Resy Creditannual

$100 per quarter at eligible US Resy restaurants. Enrollment required.

$
max: $400
$300 lululemon Creditannual

$75 per quarter at eligible US lululemon purchases. Enrollment required.

$
max: $300
$209 CLEAR Plusannual

Statement credit toward CLEAR Plus membership.

$
max: $209
$300 Equinox Creditannual

Up to $300 per calendar year on an Equinox+ digital subscription or Equinox club membership. Enrollment required.

$
max: $300
$200 Oura Ring Creditannual

Up to $200 per calendar year when you buy an Oura Ring at ouraring.com. Enrollment required.

$
max: $200
$120 Uber One Creditannual

Up to $120 per calendar year after you buy an auto-renewing Uber One membership with the card.

$
max: $120
$155 Walmart+monthly

Monthly Walmart+ membership credit when billed monthly.

$
max: $155
Net Effective Fee
$149
$895 fee − $746 credits at your use rate

Chase Sapphire Reserve

Apply Now →

8x Chase Travel, 4x flights and hotels booked direct, 3x dining

$300 Travel Creditannual

Automatic annual statement credit on broad travel purchases.

$
max: $300
$500 The Edit Creditannual

Starting Jan. 1, 2026: up to $500 annually on prepaid The Edit by Chase Travel stays, max $250 per transaction, 2-night minimum.

$
max: $500
$250 Select Hotel Creditannual

Up to $250 on prepaid Chase Travel bookings at IHG, Montage, Pendry, Omni, Virgin Hotels and other select brands. Ends 12/31/2026.

Temporary benefit, expires 12/31/2026.

$
max: $250
$300 Dining Creditannual

Up to $150 Jan-Jun and $150 Jul-Dec at Sapphire Exclusive Tables restaurants through OpenTable.

$
max: $300
$300 StubHub / viagogoannual

Up to $150 Jan-Jun and $150 Jul-Dec on StubHub and viagogo purchases through 12/31/2027. Activation required.

$
max: $300
$120 Peloton Creditmonthly

Up to $10 per month toward a Peloton membership. Requires an eligible Peloton membership.

$
max: $120
Net Effective Fee
$352
$795 fee − $443 credits at your use rate

Capital One Venture X

Apply Now →

10x hotels and rental cars via Capital One Travel, 5x flights via portal, 2x everywhere else

$300 Travel Creditannual

$300 annual credit for Capital One Travel bookings.

$
max: $300
10,000 Anniversary Milesannual

Annual 10,000-mile bonus. Default uses a 1.85 cpp estimate, edit if you value it differently.

$
estimate, max: $185
Net Effective Fee
$135
$395 fee − $260 credits at your use rate

Credit amounts come from each issuer card page (checked October 2026) and start at 25% use. Anniversary certificates and award nights are labeled estimates. Soft perks like lounge access, elite status, travel protections, and earning upside are intentionally excluded from net fee math. Override anything to match how you would actually use the card.