Your Annual Fee Isn’t the Number That Matters
Calculate a credit card’s effective annual fee using only credits you would genuinely use, then repeat the math at every renewal.
Credit card rewards sound easy in the ads. The fees, credits, caps, and exceptions are where the math gets less friendly. We sort through that fine print and tell you what is useful, what is work, and what is mostly marketing.
Calculate a credit card’s effective annual fee using only credits you would genuinely use, then repeat the math at every renewal.