Annual fee math only matters if the assumptions are honest. This tool uses current fees, hard credits, and editable anniversary perk estimates, then lets you override everything to match real life.
5x flights booked direct or via Amex Travel, 5x prepaid hotels via Amex Travel, 1x everything else
Incidental fees on one selected airline each calendar year.
$15 monthly plus $20 in December for US Uber rides or Eats.
$300 semi-annually on prepaid Fine Hotels + Resorts or The Hotel Collection bookings via Amex Travel. THC requires a 2-night minimum.
Up to $25 monthly on eligible streaming and digital subscriptions. Enrollment required.
$100 per quarter at eligible US Resy restaurants. Enrollment required.
$75 per quarter at eligible US lululemon purchases. Enrollment required.
Statement credit toward CLEAR Plus membership.
Monthly Walmart+ membership credit when billed monthly.
8x Chase Travel, 4x flights and hotels booked direct, 3x dining
Automatic annual statement credit on broad travel purchases.
Starting Jan. 1, 2026: up to $500 annually on prepaid The Edit by Chase Travel stays, max $250 per transaction, 2-night minimum.
Temporary 2026 benefit on select prepaid Chase Travel hotel bookings, 2-night minimum.
10x hotels and rental cars via Capital One Travel, 5x flights via portal, 2x everywhere else
$300 annual credit for Capital One Travel bookings.
Annual 10,000-mile bonus. Default uses a 1.85 cpp estimate, edit if you value it differently.
Credit values are based on current advertised amounts or clearly labeled default estimates for anniversary certificates and award nights. Soft perks like lounge access, elite status, travel protections, and earning upside are intentionally excluded from net fee math. Override anything to match how you would actually use the card.