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Annual-fee breakeven
Breakeven points for all 42 annual-fee cards, plus the 8 no-fee cards with the highest year-1 value. General-scenario estimates on the default spend mix ($3,200 a month) with every catalog credit used in full -- not your own wallet. Earn value is incremental over a no-fee 2% card.
Annual-fee cards (42)
| Card | Annual fee | Credits /yr | Incremental earn /yr | Year-1 value | After fee | Verdict |
|---|---|---|---|---|---|---|
| The Business Platinum Card® from American Express | $895 | $2,430 | $216 | $2,646 | $1,751 | Worth keeping |
| The Platinum Card® from American Express | $895 | $3,554.40 | $144 | $3,698.40 | $2,803.40 | Worth keeping |
| Chase Sapphire Reserve | $795 | $2,664 | $444 | $3,108 | $2,313 | Worth keeping |
| Citi® / AAdvantage® Executive World Legend Mastercard® | $695 | $1,250 | $0 | $1,250 | $555 | Worth keeping |
| United Club℠ Card | $695 | $0 | $33.60 | $33.60 | $-661.40 | Consider canceling or downgrading |
| Delta SkyMiles® Reserve American Express Card | $650 | $560 | $0 | $560 | $-90 | Consider downgrading |
| Marriott Bonvoy Brilliant® American Express® Card | $650 | $300 | $33.60 | $333.60 | $-316.40 | Consider downgrading |
| Citi Strata Elite℠ Card | $595 | $730 | $325.50 | $1,055.50 | $460.50 | Worth keeping |
| Bank of America® Premium Rewards® Elite Credit Card | $550 | $480 | $0 | $480 | $-70 | Consider downgrading |
| Hilton Honors American Express Aspire Card | $550 | $819 | $184.80 | $1,003.80 | $453.80 | Worth keeping |
| Bilt Palladium Card | $495 | $400 | $646.80 | $1,046.80 | $551.80 | Worth keeping |
| Capital One Venture X Rewards Credit Card | $395 | $300 | $382.80 | $682.80 | $287.80 | Worth keeping |
| American Express® Business Gold Card | $375 | $845.40 | $900 | $1,745.40 | $1,370.40 | Worth keeping |
| Delta SkyMiles® Platinum American Express Card | $350 | $390 | $105.60 | $495.60 | $145.60 | Lean keep |
| United Quest℠ Card | $350 | $860 | $33.60 | $893.60 | $543.60 | Worth keeping |
| American Express® Gold Card | $325 | $424 | $792 | $1,216 | $891 | Worth keeping |
| Marriott Bonvoy Bevy™ American Express® Card | $250 | $0 | $144 | $144 | $-106 | Consider downgrading |
| Southwest Rapid Rewards® Priority Credit Card | $229 | $0 | $52.80 | $52.80 | $-176.20 | Consider canceling or downgrading |
| Aeroplan® Credit Card | $195 | $100 | $357.60 | $457.60 | $262.60 | Worth keeping |
| Ink Business Premier® Credit Card | $195 | $0 | $54 | $54 | $-141 | Consider canceling or downgrading |
| Delta SkyMiles® Gold American Express Card | $150 | $220 | $48 | $268 | $118 | Worth keeping |
| Hilton Honors American Express Surpass® Card | $150 | $200 | $220.80 | $420.80 | $270.80 | Worth keeping |
| IHG One Rewards Premier | $150 | $740 | $87 | $827 | $677 | Worth keeping |
| Capital One Spark Cash Plus | $150 | $0 | $0 | $0 | $-150 | Consider canceling or downgrading |
| United℠ Explorer℠ Card | $150 | $430 | $19.20 | $449.20 | $299.20 | Worth keeping |
| Southwest Rapid Rewards® Premier Credit Card | $149 | $0 | $96 | $96 | $-53 | Consider downgrading |
| AAdvantage® Platinum Select® World Elite Mastercard® | $99 | $0 | $66 | $66 | $-33 | Consider downgrading |
| JetBlue Plus Card | $99 | $100 | $72 | $172 | $73 | Worth keeping |
| Southwest Rapid Rewards® Plus Credit Card | $99 | $0 | $72 | $72 | $-27 | Consider downgrading |
| Atmos™ Rewards Ascent Visa Signature® Card | $95 | $0 | $21.60 | $21.60 | $-73.40 | Consider canceling or downgrading |
| Blue Cash Preferred® Card from American Express | $95 | $120 | $306 | $426 | $331 | Worth keeping |
| Bank of America® Premium Rewards® credit card | $95 | $125 | $0 | $125 | $30 | Lean keep |
| Citi Strata Premier® Card | $95 | $100 | $480 | $580 | $485 | Worth keeping |
| World of Hyatt | $95 | $180 | $117.60 | $297.60 | $202.60 | Worth keeping |
| Chase Ink Business Preferred | $95 | $120 | $165 | $285 | $190 | Worth keeping |
| Marriott Bonvoy Boundless | $95 | $560 | $55.20 | $615.20 | $520.20 | Worth keeping |
| Chase Sapphire Preferred® Card | $95 | $130 | $300 | $430 | $335 | Worth keeping |
| Capital One Venture Rewards Credit Card | $95 | $300 | $307.20 | $607.20 | $512.20 | Worth keeping |
| Wells Fargo Autograph Journey℠ Card | $95 | $50 | $84 | $134 | $39 | Lean keep |
| Wells Fargo Choice Privileges® Select Mastercard® | $95 | $30 | $135 | $165 | $70 | Worth keeping |
| Disney® Premier Visa® Card | $49 | $0 | $0 | $0 | $-49 | Consider canceling or downgrading |
| Capital One SavorOne Cash Rewards Credit Card | $39 | $0 | $120 | $120 | $81 | Worth keeping |
No-fee cards — top 8 by year-1 value
No fee to recover. The table shows year-1 value on the default spend mix.
| Card | Credits /yr | Incremental earn /yr | Year-1 value |
|---|---|---|---|
| The Blue Business® Plus Credit Card from American Express | $0 | $768 | $768 |
| Robinhood Gold Card | $0 | $420 | $420 |
| Citi Double Cash® Card | $0 | $384 | $384 |
| Blue Cash Everyday® Card from American Express | $264 | $90 | $354 |
| Chase Freedom Unlimited | $0 | $325.50 | $325.50 |
| Verizon Visa® Card | $0 | $276 | $276 |
| Citi Strata℠ Card | $0 | $273 | $273 |
| Chase Freedom Flex® | $0 | $249 | $249 |
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Page updated: November 3, 2026