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Annual Fee Breakeven

Premium cards look expensive until you factor in the credits. See your true net cost — and override any credit to reflect what you'll actually use.

Select up to 3 cards to compare

Amex Platinum

Annual Fee$695
Total Credits−$1604
Net Effective Fee+$909 net positive

Chase Sapphire Reserve

Annual Fee$550
Total Credits−$579
Net Effective Fee+$29 net positive

Capital One Venture X

Annual Fee$395
Total Credits−$1105
Net Effective Fee+$710 net positive

Amex Platinum

5x flights/hotels booked direct, 1x everything else

$200 Airline Fee Creditannual

Up to $200 in statement credits for incidental fees on one selected airline per calendar year.

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$200 Hotel Creditannual

$200 back in statement credits on prepaid Fine Hotels + Resorts or The Hotel Collection bookings via Amex Travel.

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$200 Uber Cashmonthly

$15/mo in Uber Cash ($35 in December) for Uber rides or Eats in the US.

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$240 Digital Entertainmentmonthly

$20/mo for eligible digital entertainment subscriptions (Disney+, Hulu, ESPN+, Peacock, NYT, etc.).

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$300 Equinox Creditmonthly

$25/mo toward eligible Equinox memberships.

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$155 Walmart+ Creditmonthly

Monthly Walmart+ membership (~$12.95/mo) covered.

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$100 Saks Creditannual

$50 in Jan–Jun, $50 in Jul–Dec at Saks Fifth Avenue.

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$189 CLEAR Plus Creditannual

Covers cost of CLEAR Plus membership.

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$100 Global Entry / TSAper-use

Statement credit for Global Entry ($100 every 4.5 years) or TSA PreCheck (~$85 every 5 years).

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Net Effective Fee
+$909 net positive
$695 fee − $1604 credits

Chase Sapphire Reserve

3x dining + travel, 1x other. Points worth 1.5¢ via Chase portal

$300 Travel Creditannual

Automatic $300 statement credit toward travel purchases each card anniversary year. Applies to virtually all travel.

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$100 Global Entry / TSAper-use

Statement credit every 4 years for Global Entry ($100) or TSA PreCheck ($85).

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DashPass + $5/mo DoorDashmonthly

Complimentary DashPass membership + $5/mo DoorDash credit (through Dec 2027).

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Lyft Pink All Accessannual

Complimentary Lyft Pink All Access membership (~$199 value).

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Net Effective Fee
+$29 net positive
$550 fee − $579 credits

Capital One Venture X

10x hotels + rental cars via C1 Travel, 5x flights via C1 Travel, 2x everything else

$300 Travel Creditannual

$300 annual credit for bookings made through Capital One Travel.

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10,000 Anniversary Milesannual

10,000 bonus miles every account anniversary (worth ~$185 at 1.85¢/pt).

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$100 Global Entry / TSAper-use

$100 credit for Global Entry or $85 for TSA PreCheck every 4 years.

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Unlimited Lounge Accessannual

Unlimited Priority Pass + Capital One Lounge access for cardholder + 2 guests. Estimated $600 value for regular travelers.

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Net Effective Fee
+$710 net positive
$395 fee − $1105 credits

Credit values are based on advertised amounts. Override any field to reflect how much you'll realistically use each benefit. Some credits require specific merchants, booking portals, or enrollment — check your card's terms.