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Annual Fee Break-Even Calculator
Determine if upgrading to a premium card with an annual fee will actually put more money in your pocket compared to a $0 fee card.
Calculations run locally in your browser.
Only count spend that earns the higher reward rate.
%
e.g., if upgrading from a 2% flat card to a 3% dining card, the difference is 1%.
Net Annual Profit/Loss
+$145
Extra rewards/yr:$240
Annual fee:-$95
The annual fee is worth it based on your spend.