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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

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Annual Fee$895
Total Credits−$2775
Net Effective Fee+$1880 net positive

Chase Sapphire Reserve

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

Capital One Venture X

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

Amex Platinum

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

$600 Hotel Creditannual

$300 semi-annually on prepaid Fine Hotels + Resorts or The Hotel Collection bookings (min. 2-night stay) via Amex Travel.

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$400 Resy Dining Creditannual

$100 per quarter at US Resy restaurants. Enrollment required.

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$300 lululemon Creditannual

$75 per quarter at US lululemon stores or lululemon.com (excluding outlets). Enrollment required.

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$300 Digital Entertainmentmonthly

$25/mo for eligible subscriptions: Disney+, Hulu, ESPN+, Peacock, NYT, WSJ, YouTube Premium, YouTube TV, Paramount+, Audible, SiriusXM. Enrollment required.

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$200 Uber Cashmonthly

$15/mo in Uber Cash ($20 in December) for Uber rides or Eats in the US.

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$200 Airline Fee Creditannual

Up to $200 for incidental fees (checked bags, seat upgrades, in-flight purchases) on one selected airline per year.

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$200 Oura Ring Creditper-use

One-time $200 statement credit on an Oura Ring purchase at ouraring.com. Enrollment required.

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$156 Walmart+ Creditmonthly

Monthly Walmart+ membership fee (~$12.95/mo) covered automatically when paid with the card.

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$120 Uber One Creditannual

Up to $120 annually toward an Uber One auto-renewing membership.

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$100 Saks Creditannual

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

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$179 CLEAR Plus Creditannual

Covers CLEAR Plus membership — biometric security lane at 50+ airports.

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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
+$1880 net positive
$895 fee − $2775 credits

Chase Sapphire Reserve

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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

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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.