It is easy to get tricked by “coupon book” credits that look valuable but are impossible to use.
Use the tool below to calculate your Effective Annual Fee.
- Positive Number (Red): You are losing money. Cancel or downgrade.
- Negative Number (Green): You are winning. Keep the card.
Annual Fee Calculator
Do the math. Don't guess.
$
CREDITS YOU ACTUALLY USE
$
$
$
REAL EFFECTIVE ANNUAL FEE
--
Enter your numbers...
How to use this result
If the number is Red, ask yourself: Would I pay cash for these perks if I didn’t have the card? If the answer is no, the bank is winning.
Ready to find a better card? Check out our latest “No-BS” Card Reviews