Credit Card Annual Fee Calculator

Find out if your credit card's annual fee is worth keeping — in 60 seconds. Select your card, check off the benefits you actually use, and get an instant verdict.

Fee Check Calculator
Select a card to see if the fee is worth it

Or pick a popular card below

How the Calculator Works

1
Pick your card
Search from 150+ supported credit cards with pre-loaded benefit data.
2
Check off what you use
Mark the benefits you actually redeem — travel credits, dining credits, perks.
3
Get your verdict
See whether to keep, downgrade, or cancel — with the exact dollar math.

Popular Cards People Check

Sapphire Reserve
$795/yr
Amex Platinum
$895/yr
Amex Gold
$325/yr
Venture X
$395/yr
Hilton Aspire
$550/yr
Marriott Brilliant
$650/yr
Sapphire Preferred
$95/yr
Citi Strata Premier
$95/yr

Why a Calculator Beats Googling

Generic articles tell you to "consider your spending habits." FeeWorth does the actual math with YOUR specific card and YOUR actual benefit usage. No guessing — just the real numbers showing exactly whether your annual fee pays for itself.

Frequently Asked Questions

Yes, completely free. No credit card required. FeeWorth earns revenue from affiliate links when users apply for new cards — never from charging you.
No. FeeWorth never asks for bank credentials. You tell us which cards you have and which benefits you use. All data is stored locally on your device.
Unlimited, including partner and household cards with a free account. Track your whole family's credit card portfolio in one place.
Before each annual fee renewal date. FeeWorth can send you reminders so you never pay a fee without knowing if the card is still worth it.