Premium airline cards carry annual fees worth checking against your actual spending before you sign up. Enter your estimated annual spending by category and, if you have one, a preferred airline. For each card the tool computes what that spend would produce: points earned, the dollar value of those points, estimated benefit value, the annual fee, the first-year welcome bonus, and the resulting net value. Every figure in the results is a computed value from your inputs and the card's published terms, not a recommendation.
This tool scores one card at a time, assuming that single card carries all of the spending you enter. Some travelers hold three to six cards and route each spending category to whichever card earns most on it — that approach changes the math and is not modeled here.
Numbers only — not financial advice. Terms change; verify with the issuer. This tool contains no affiliate links; card links point only to issuer pages, which are used as sources.
Numbers only — not financial advice. Terms change; verify with the issuer. Each result assumes this one card carries all the spending entered; holding several cards and splitting spend between them is a different calculation.
