Credit cards covered by this calculator
This tool calculates whether the annual statement credits offered by a premium credit card exceed its annual fee. Drag sliders to the value of each credit you actually use, then compare the total to the annual fee. The cards below are currently supported.
Amex Business Gold
Annual fee: $375. Maximum credit value: $845. Data last updated: 2026-05-14. Open this card in the calculator.
- Flexible Business Credit — up to $240/year (monthly). $20/month at FedEx, Grubhub, and office supply stores.
- Walmart+ Membership Credit — up to $155/year (monthly). Monthly statement credit covering the cost of a Walmart+ membership (~$12.95/month).
- Squarespace Credit — up to $150/year (annual). Up to $150 per calendar year on eligible U.S. purchases made directly with Squarespace.
- ChatGPT Business Credit — up to $300/year (annual). Up to $300 per calendar year on ChatGPT Business subscriptions purchased directly with OpenAI in the U.S. Enrollment required. Live as of May 12, 2026.
Amex Business Platinum
Annual fee: $895. Maximum credit value: $2180. Data last updated: 2026-05-14. Open this card in the calculator.
- Fine Hotels + Resorts / Hotel Collection Credit — up to $600/year (semi-annual). $300 per half-year (Jan–Jun, Jul–Dec). Must book prepaid FHR or The Hotel Collection through Amex Travel. Hotel Collection requires a 2-night minimum stay.
- Indeed Credit — up to $360/year (quarterly). $90 per calendar quarter on Indeed job postings.
- Airline Incidental Fee Credit — up to $200/year (annual). $200 per calendar year on incidental fees (checked bags, seat upgrades, etc.) with one selected airline.
- Hilton Credit — up to $200/year (quarterly). $50 per calendar quarter toward Hilton purchases. No longer works on gift cards.
- Adobe Credit — up to $250/year (annual). Up to $250 per year when you spend $600 or more on Adobe purchases annually.
- Wireless Phone Service Credit — up to $120/year (monthly). $10/month toward U.S. wireless phone service charges.
- Dell Credit — up to $150/year (annual). Up to $150 per calendar year on Dell purchases.
- ChatGPT Business Credit — up to $300/year (annual). Up to $300 per calendar year on ChatGPT Business subscriptions purchased directly with OpenAI in the U.S. Enrollment required. Live as of May 12, 2026.
Amex Gold
Annual fee: $325. Maximum credit value: $424. Data last updated: 2026-07-19. Open this card in the calculator.
- Monthly Dining Credit — up to $120/year (monthly). $10/month in statement credits at Grubhub, Five Guys, Buffalo Wild Wings, and Wonder. Goldbelly and Wine.com removed effective July 1, 2026.
- Uber Cash — up to $120/year (monthly). $10/month loaded to your Uber account for Uber rides or Uber Eats. Must add card to Uber account.
- Resy Dining Credit — up to $100/year (semi-annual). $50 per half-year (Jan–Jun, Jul–Dec) at eligible U.S. restaurants on Resy.
- Dunkin' Credit — up to $84/year (monthly). $7/month in statement credits at Dunkin'.
Amex Platinum
Annual fee: $895. Maximum credit value: $3075. Data last updated: 2026-05-24. Open this card in the calculator.
- Fine Hotels + Resorts / Hotel Collection Credit — up to $600/year (semi-annual). $300 per half-year (Jan–Jun, Jul–Dec). Must book prepaid FHR or The Hotel Collection through Amex Travel. Hotel Collection requires a 2-night minimum stay.
- Resy Dining Credit — up to $400/year (quarterly). $100 per calendar quarter at eligible U.S. restaurants on Resy. Taxes and tips count toward the credit.
- Lululemon Credit — up to $300/year (quarterly). $75 per calendar quarter at Lululemon.
- Entertainment Credit — up to $300/year (annual). $300 annually toward eligible entertainment purchases.
- Equinox Credit — up to $300/year (annual). $300 annually toward Equinox gym membership.
- SoulCycle Credit — up to $300/year (annual). $300 annually toward SoulCycle.
- Uber Cash — up to $200/year (monthly). $15/month loaded to your Uber account ($35 in December). Use for Uber rides or Uber Eats. Must add card to Uber account.
- Oura Ring Credit — up to $200/year (annual). $200 per calendar year at ouraring.com (U.S. only). Excludes memberships, gift cards, and third-party retailers. Enrollment required.
- Airline Incidental Fee Credit — up to $200/year (annual). $200 per calendar year on incidental fees (checked bags, seat upgrades, etc.) with one selected airline. Not valid for airfare.
- Walmart+ Membership Credit — up to $155/year (monthly). Monthly statement credit that covers the cost of a Walmart+ membership (~$12.95/month). Enrollment required.
- Uber One Membership Credit — up to $120/year (annual). $120 per calendar year toward Uber One membership. Must add card to Uber account.
Bilt Palladium
Annual fee: $495. Maximum credit value: $600. Data last updated: 2026-07-04. Open this card in the calculator.
- Hotel Credit — up to $400/year (semi-annual). $200 per half-year (Jan–Jun, Jul–Dec) on qualifying hotel bookings of 2+ nights made through the Bilt Travel Portal.
- Annual Bilt Cash — up to $200/year (annual). $200 in Bilt Cash automatically deposited to your Bilt account each January 1. Spendable on rent, travel, and other Bilt redemptions — counted here since it requires no action to receive.
Chase Sapphire Reserve
Annual fee: $795. Maximum credit value: $2348. Data last updated: 2026-07-05. Open this card in the calculator.
- The Edit Hotel Credit — up to $500/year (annual). Two $250 credits per year for prepaid hotel bookings of 2+ nights through The Edit by Chase Travel. Starting in 2026, both credits can be used anytime throughout the year (no longer restricted to one per half-year).
- Travel Credit — up to $300/year (annual). $300 per cardmember year applied automatically to travel purchases.
- Exclusive Tables Dining Credit — up to $300/year (semi-annual). $150 per half-year (Jan–Jun, Jul–Dec) at Sapphire Reserve Exclusive Tables restaurants via OpenTable.
- StubHub Credit — up to $300/year (semi-annual). $150 per half-year (Jan–Jun, Jul–Dec) on StubHub purchases.
- DoorDash / DashPass Credit — up to $420/year (monthly). $300 in DoorDash promos ($25/month) plus $120 DashPass membership credit ($10/month). Complicated to maximize fully.
- Peloton Credit — up to $120/year (monthly). $10/month toward Peloton membership or equipment.
- Lyft Credit — up to $120/year (monthly). $10/month toward Lyft rides.
- Apple TV+ & Apple Music — up to $288/year (annual). $288/year in combined Apple TV+ and Apple Music subscription credits.
Chase Sapphire Reserve Business
Annual fee: $795. Maximum credit value: $2040. Data last updated: 2026-07-05. Open this card in the calculator.
- The Edit Hotel Credit — up to $500/year (annual). Two $250 credits per year for prepaid hotel bookings through The Edit by Chase Travel. Starting in 2026, both credits can be used anytime throughout the year (no longer restricted to one per half-year).
- Travel Credit — up to $300/year (annual). $300 per cardmember year applied automatically to travel purchases.
- ZipRecruiter Credit — up to $400/year (semi-annual). $200 per half-year (Jan–Jun, Jul–Dec) toward ZipRecruiter job postings.
- Google Workspace Credit — up to $200/year (annual). Up to $200 per year toward Google Workspace subscriptions.
- Lyft Credit — up to $120/year (monthly). $10/month toward Lyft rides. Valid through September 30, 2027 only.
- DoorDash / DashPass Credit — up to $420/year (monthly). $300 in DoorDash promos ($25/month) plus $120 DashPass membership credit ($10/month).
- Giftcards.com Credit — up to $100/year (semi-annual). $50 per half-year (Jan–Jun, Jul–Dec) at reservebusiness.giftcards.com.
Citi Strata Elite
Annual fee: $595. Maximum credit value: $700. Data last updated: 2025-07-27. Open this card in the calculator.
- Hotel Benefit — up to $300/year (annual). Up to $300 off a hotel stay of 2 nights or more per calendar year when booked through cititravel.com.
- Splurge Credit — up to $200/year (annual). Up to $200 per calendar year across up to 2 brands: 1stDibs, American Airlines, Best Buy, Future Personal Training, or Live Nation.
- Blacklane Credit — up to $200/year (semi-annual). $100 per half-year (Jan–Jun, Jul–Dec) on Blacklane premium chauffeur bookings.
Delta SkyMiles Platinum
Annual fee: $350. Maximum credit value: $890. Data last updated: 2026-07-04. Open this card in the calculator.
- Companion Certificate (estimated value) — up to $500/year (annual). Estimate, not a statement credit: annual Main Cabin round-trip companion certificate (domestic, Caribbean, Central America) issued at renewal. Worth roughly the companion's fare minus $22–$250 in taxes/fees — drag to the value you'd actually get.
- Delta Stays Credit — up to $150/year (annual). $150 per year toward prepaid Delta Stays hotel or vacation rental bookings on delta.com.
- Resy Dining Credit — up to $120/year (monthly). $10/month at eligible U.S. restaurants on Resy. Enrollment required.
- Rideshare Credit — up to $120/year (monthly). $10/month toward U.S. rideshare purchases (Uber, Lyft, Curb, Revel, Alto). Enrollment required.
Delta SkyMiles Platinum Business
Annual fee: $350. Maximum credit value: $940. Data last updated: 2026-07-04. Open this card in the calculator.
- Companion Certificate (estimated value) — up to $500/year (annual). Estimate, not a statement credit: annual Main Cabin round-trip companion certificate (domestic, Caribbean, Central America) issued at renewal. Worth roughly the companion's fare minus $22–$250 in taxes/fees — drag to the value you'd actually get.
- Delta Stays Credit — up to $200/year (annual). $200 per year toward prepaid Delta Stays hotel or vacation rental bookings on delta.com.
- Resy Dining Credit — up to $120/year (monthly). $10/month at eligible U.S. restaurants on Resy. Enrollment required.
- Rideshare Credit — up to $120/year (monthly). $10/month toward U.S. rideshare purchases (Uber, Lyft, Curb, Revel, Alto). Enrollment required.
Delta SkyMiles Reserve
Annual fee: $650. Maximum credit value: $1360. Data last updated: 2026-07-04. Open this card in the calculator.
- Companion Certificate (estimated value) — up to $800/year (annual). Estimate, not a statement credit: annual First Class / Comfort+ / Main Cabin round-trip companion certificate (domestic, Caribbean, Central America) issued at renewal. Worth roughly the companion's fare minus $22–$250 in taxes/fees — drag to the value you'd actually get.
- Resy Dining Credit — up to $240/year (monthly). $20/month at eligible U.S. restaurants on Resy.
- Rideshare Credit — up to $120/year (monthly). $10/month toward rideshare purchases (Uber, Lyft, Curb, Revel, Alto). Enrollment required.
- Delta Stays Credit — up to $200/year (annual). $200 per year toward Delta Stays hotel bookings after card renewal.
Delta SkyMiles Reserve Business
Annual fee: $650. Maximum credit value: $1410. Data last updated: 2026-07-04. Open this card in the calculator.
- Companion Certificate (estimated value) — up to $800/year (annual). Estimate, not a statement credit: annual First Class / Comfort+ / Main Cabin round-trip companion certificate (domestic, Caribbean, Central America) issued at renewal. Worth roughly the companion's fare minus $22–$250 in taxes/fees — drag to the value you'd actually get.
- Delta Stays Credit — up to $250/year (annual). $250 per year toward prepaid Delta Stays hotel or vacation rental bookings on delta.com.
- Resy Dining Credit — up to $240/year (monthly). $20/month at eligible U.S. restaurants on Resy. Enrollment required.
- Rideshare Credit — up to $120/year (monthly). $10/month toward U.S. rideshare purchases (Uber, Lyft, Curb, Revel, Alto). Enrollment required.
Hilton Honors Aspire
Annual fee: $550. Maximum credit value: $1600. Data last updated: 2026-07-04. Open this card in the calculator.
- Free Night Reward (estimated value) — up to $1000/year (annual). Estimate, not a statement credit: one free night at almost any Hilton property, issued at card renewal. Standard-tier redemptions run ~$500–600; top luxury properties can exceed $1,000 — drag to the value you'd actually redeem.
- Hilton Resort Credit — up to $400/year (semi-annual). $200 per half-year (Jan–Jun, Jul–Dec) on purchases made directly at participating Hilton Resorts with the Aspire card.
- Airline Flight Credit — up to $200/year (quarterly). $50 per calendar quarter on eligible flight purchases.
Marriott Bonvoy Brilliant
Annual fee: $650. Maximum credit value: $1100. Data last updated: 2026-07-04. Open this card in the calculator.
- Free Night Award (estimated value) — up to $700/year (annual). Estimate, not a statement credit: one free night worth up to 85,000 points, issued at card renewal (top-up with up to 25k more points allowed). ~$680 at a 0.8¢/point valuation, more at top properties — drag to the value you'd actually redeem.
- Dining Credit — up to $300/year (monthly). $25/month in statement credits at restaurants worldwide, up to $300 per calendar year.
- Ritz-Carlton / St. Regis Property Credit — up to $100/year (annual). $100 property credit on paid stays of 2+ nights at The Ritz-Carlton or St. Regis booked directly with Marriott. Per-stay benefit — counted once here; repeats on additional qualifying stays.
United Club Business
Annual fee: $695. Maximum credit value: $890. Data last updated: 2026-07-04. Open this card in the calculator.
- Instacart Credit — up to $240/year (monthly). Two $10 statement credits per month on purchases made directly through Instacart, up to $240 per calendar year. Includes complimentary Instacart+ membership.
- Renowned Hotels Credit — up to $200/year (annual). Up to $200 per anniversary year on hotel stays prepaid directly through Renowned Hotels and Resorts.
- JSX Credit — up to $200/year (annual). Up to $200 per anniversary year on semi-private charter flights purchased directly through JSX.
- Rideshare Credit — up to $150/year (monthly). $12/month January–November and $18 in December on U.S. rideshare purchases, up to $150 per calendar year. Yearly opt-in required.
- Avis / Budget Car Rental Credit — up to $100/year (annual). Up to $100 per anniversary year in United TravelBank cash ($50 each for your 1st and 2nd Avis or Budget rental booked through cars.united.com).
United Club Card
Annual fee: $695. Maximum credit value: $890. Data last updated: 2026-07-04. Open this card in the calculator.
- Instacart Credit — up to $240/year (monthly). Two $10 statement credits per month on purchases made directly through Instacart, up to $240 per calendar year.
- Renowned Hotels Credit — up to $200/year (annual). Up to $200 per anniversary year on hotel stays prepaid directly through Renowned Hotels and Resorts.
- JSX Credit — up to $200/year (annual). Up to $200 per year on semi-private charter flights purchased directly through JSX.
- Rideshare Credit — up to $150/year (monthly). $12/month January–November and $18 in December on U.S. rideshare purchases, up to $150 per calendar year. Yearly opt-in required.
- Avis / Budget Car Rental Credit — up to $100/year (annual). Up to $100 per anniversary year in United TravelBank cash ($50 each for your 1st and 2nd Avis or Budget rental booked through cars.united.com).