Reality check
Only count what you will use
This math gets sharper when you discount benefits you will not reliably redeem. A smaller honest value estimate beats a perfect theoretical one.
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Value inputs
Use realistic values you will actually use.
Estimates update instantly as you change fee, credit, and perk assumptions.
Ongoing net value
+$99
Credits + perks + reward lift - annual fee.
First-year net value
+$299
Ongoing value plus estimated welcome bonus value.
Break-even spend
$0
Monthly bonus-category spend needed to offset the fee.
Break-even summary
Annual fee$-95
Statement credits used+$50
Perk value used+$60
Annual reward lift+$84
Welcome bonus value+$200
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