Credit Card Arbitrage Engine

Does a $550 annual fee actually save you money? Input your monthly spend below to calculate your true net value across different card tiers.

Monthly Spend

Dining & Bars\$500

Travel & Transit\$300

Groceries\$400

Other/General\$1000

WINNER

Flat Cash Back 2%

Annual Fee: $0 | Credits: $0 (Effective: $0)

Est. Annual Rewards

+$528

Net Value

$528

Premium Food Card

Annual Fee: $250 | Credits: $120 (Effective: $130)

Est. Annual Rewards

+$588

Net Value

$458

Premium Travel Card

Annual Fee: $550 | Credits: $300 (Effective: $250)

Est. Annual Rewards

+$456

Net Value

$206

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