Check which benefits you're actually using. Takes 2 minutes. Pick one of the top US premium cards, drag a slider for each major benefit to reflect how much of it you really capture in a year, and see in real time whether the annual fee pays for itself.
Cards Supported
- Chase Sapphire Reserve — $795 annual fee
- Amex Platinum — $895 annual fee
- Capital One Venture X — $395 annual fee
- Chase Sapphire Preferred — $95 annual fee
- Citi Strata Premier — $95 annual fee
- Amex Gold — $325 annual fee
How the Calculator Works
- Pick a card from the list above.
- We pull the 8–10 highest-value benefits from our verified database — annual travel credits, hotel credits, dining credits, lounge access, statement credits, and more.
- For each benefit, drag the slider to how much you actually use it during the year.
- We total the dollar value you're capturing and compare it to the annual fee.
Sample Benefits (Chase Sapphire Reserve)
| Benefit | Annual Value |
|---|---|
| Annual Travel Credit | $300 |
| The Edit by Chase Travel hotel credit | $500 |
| Exclusive Tables Dining | $300 |
| StubHub / viagogo | $300 |
| DoorDash DashPass + monthly credits | ~$240 |
| Apple TV+ and Apple Music | ~$288 |
| Priority Pass lounge access | varies |
Three Possible Results
- Earning its keep — capturing 90%+ of the annual fee. The card is paying for itself.
- Could be doing more — capturing 40–89%. Often one or two missed credits would put you over.
- Not working for you yet — capturing under 40%. Time to either start using it or rethink the card.
This is one card. Most people carry 2–4. Norte tracks all of them — every credit, every reset date, every hidden benefit. Sign up free to audit your full wallet.
Benefit values pulled from Norte's verified database of US credit cards. Last verified July 2026. Confirm specific credits with your card issuer.