Annual-fee calculators

Is the annual fee worth it?

Card data current as of July 2026.

Pick a card to see a real, computed break-even — how much you'd need to spend to beat a flat 2% cash-back card, and how far your statement credits get you, calculated conservatively so we never over-promise.

Is the Platinum worth it?$895/yr fee Is the Sapphire Reserve worth it?$795/yr fee Is the Venture X worth it?$395/yr fee Is the Gold worth it?$325/yr fee Is the Sapphire Preferred worth it?$95/yr fee Is the Blue Cash Preferred worth it?$95/yr fee Is the Savor worth it?

How we calculate: each verdict nets the fee against the card's real earn advantage over a flat 2% baseline plus a conservative, class-priored model of the credits you'll actually use — never by which card pays us more (we don't take payment to rank cards higher). These are estimates, not offers. Read our full methodology ›

Or compare two cards head-to-head

This is one card. Your wallet is more than one card.

These pages weigh one card's fee against your spend. Card Strategist runs the math across every card you carry and every category you spend in — no bank linking, no card numbers.

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