Is the Annual Fee Worth It?
Pick a card with an annual fee. We add up its recurring credits and estimated perks from the OneCard catalog and compare them to the fee.
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How the annual fee calculator works
- 1Select a credit card with an annual fee from the WalletFlo catalog.
- 2The OneCard engine sums stated recurring credits (travel, dining, Uber, etc.) from issuer terms.
- 3Estimated perk value (lounge access, status, insurance) is added from our catalog.
- 4Compare total stated value against the annual fee to see if credits and perks alone offset the cost.
Annual fee math: credits vs. rewards
Premium cards advertise hundreds in credits — but only if you use them. This calculator shows the on-paper value of stated credits and perks vs. the annual fee, so you know the breakeven before rewards.
If credits don't cover the fee, you'll need enough category rewards on your spend to close the gap. Link to the per-card Rewards Calculator for your full spend profile.
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- Wallet Optimizer
Rank the full catalog for your spend profile.
- Card Directory
Browse earn rates, fees, and apply links for every card.
- Methodology
How WalletFlo values points, perks, and net annual value.
Frequently asked questions
This tool focuses on recurring annual value. Signup bonuses are one-time and analyzed separately.