Do you count credits I won't use?

We show stated catalog value. Real value depends on whether you'd spend that money anyway — a credit for a service you don't use is worth $0.

What about signup bonuses?

This tool focuses on recurring annual value. Signup bonuses are one-time and analyzed separately.

Which cards have the best fee-to-credit ratio?

Cards where stated credits exceed the annual fee show a positive net after credits and perks. Run any card in the selector to check.

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 Flo 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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FAQ's

We show stated catalog value. Real value depends on whether you'd spend that money anyway — a credit for a service you don't use is worth $0.
This tool focuses on recurring annual value. Signup bonuses are one-time and analyzed separately.
Cards where stated credits exceed the annual fee show a positive net after credits and perks. Run any card in the selector to check.