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: $545. Data last updated: 2025-10-23. 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.
Amex Business Platinum
Annual fee: $895. Maximum credit value: $1880. Data last updated: 2025-09-18. 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.
Amex Gold
Annual fee: $325. Maximum credit value: $424. Data last updated: 2025-07-29. Open this card in the calculator.
- Grubhub / Five Guys Credit — up to $120/year (monthly). $10/month in statement credits at Grubhub and Five Guys.
- 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: $3175. Data last updated: 2025-09-18. 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.
- Saks Fifth Avenue Credit — up to $100/year (semi-annual). $50 per half-year (Jan–Jun, Jul–Dec) at Saks Fifth Avenue in-store or online.
Chase Sapphire Reserve
Annual fee: $795. Maximum credit value: $2348. Data last updated: 2025-10-26. Open this card in the calculator.
- The Edit Hotel Credit — up to $500/year (semi-annual). Two $250 credits per year for prepaid hotel bookings of 2+ nights through The Edit by Chase Travel.
- 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: 2025-06-17. Open this card in the calculator.
- The Edit Hotel Credit — up to $500/year (semi-annual). Two $250 credits per year for prepaid hotel bookings through The Edit by Chase Travel.
- 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 Reserve
Annual fee: $650. Maximum credit value: $680. Data last updated: 2024-02-02. Open this card in the calculator.
- Resy Dining Credit — up to $240/year (monthly). $20/month at eligible U.S. restaurants on Resy.
- Rideshare Credit — up to $240/year (monthly). $20/month toward rideshare purchases.
- Delta Stays Credit — up to $200/year (annual). $200 per year toward Delta Stays hotel bookings after card renewal.
Hilton Honors Aspire
Annual fee: $550. Maximum credit value: $600. Data last updated: 2023-10-19. Open this card in the calculator.
- 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.