Annual Fee Break-Even Calculator
Find out if your credit card's annual fee is worth it based on your spending.
$
Your card's annual fee
x
Points earned per dollar spent
$
How much you'll spend on this card yearly
cpp
Cents per point when redeeming
$
Statement credits, benefits you'll use
Results
You're $450 ABOVE break-even!
Break-even Spend$15,000/year
Your Estimated Spend$30,000/year
Points Earned60,000 points
Points Value$900
Effective Annual Fee$450
Net Annual Value+$450
How It Works
This calculator helps you determine if your credit card's annual fee is justified by the rewards you earn.
- Break-even spend is how much you need to spend yearly to earn rewards equal to the effective annual fee.
- Effective annual fee = Annual fee minus any credits or benefits you'll actually use.
- Net annual value = Value of points earned minus the effective annual fee.
Embed This Calculator
Add this calculator to your website by copying the code below.
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