Pick a card and WalletFlo adds up its recurring credits and perk value, then compares them to the annual fee — so you can see if it pays for itself.
A premium card's fee often looks scary until you tally what comes with it: travel credits, dining credits, statement credits, lounge access, and elite perks. Many cards more than cover their fee in credits alone — if you remember to use them. This tool does the tally; the catch is the "if".
Billions in card credits expire unused every year because they reset on schedules nobody tracks. WalletFlo watches every credit and perk on your cards and reminds you before they reset — turning the value in this calculator into money you actually keep. Get the app.
Add up the recurring credits and perks you'll actually use and compare to the fee. If they already exceed it, the card pays for itself before rewards.
No — only count what you'll realistically use. WalletFlo reminds you before credits expire so the value actually gets captured.