Calculator

Find your break-even spend.

Pick a card. Enter your monthly spend per category. We compute the annual rewards at the card's category bonuses and surface whether your spend covers the annual fee at a conservative 1¢/pt cash-back floor.

Your inputs

Monthly spend (USD)

Result

Chase Sapphire Preferred · AF $95

Breaks even.

Surplus +$281.80 / yr

Annual earnings
37,680 points
Cash-equivalent (1¢/pt floor)
$376.80
Editorial· July 18, 2026

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Anyone can post a price. We publish a standardized, sourced, dated one, and we take no commission on your hotel bookings.

#1 principle

Standardized

Same basket, every destination.

#2 principle

Sourced

One source per figure, with a date.

#3 principle

Public methodology

Documented, and checked on a schedule.

#4 principle

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