42 card profiles
Credit card economics, card by card.
Each page leads with the answer, then shows the assumptions behind it. Benchmark figures use $3,000/month card spending, 6 lounge visits/year, $25/visit, normal-traveler point values and realistic credit assumptions.
Capital One Venture XCapital One · $395 annual fee
Year 1 benchmark+$1,532
Keep benchmark+$882
Chase Sapphire ReserveChase · $795 annual fee
Year 1 benchmark+$1,829
Keep benchmark+$579
Chase Sapphire PreferredChase · $95 annual fee
Year 1 benchmark+$1,590
Keep benchmark+$652
American Express PlatinumAmerican Express · $895 annual fee
Year 1 benchmark+$1,662
Keep benchmark+$462
American Express GoldAmerican Express · $325 annual fee
Year 1 benchmark+$1,759
Keep benchmark+$1,039
Bilt PalladiumBilt · $495 annual fee
Year 1 benchmark+$1,225
Keep benchmark+$600
Citi Strata EliteCiti · $595 annual fee
Year 1 benchmark+$1,411
Keep benchmark+$549
Citi Strata PremierCiti · $95 annual fee
Year 1 benchmark+$1,458
Keep benchmark+$768
Citi StrataCiti · $0 annual fee
Year 1 benchmark+$1,197
Keep benchmark+$1,197
Citi Double CashCiti · $0 annual fee
Year 1 benchmark+$920
Keep benchmark+$720
Capital One VentureCapital One · $95 annual fee
Year 1 benchmark+$1,375
Keep benchmark+$625
Capital One VentureOneCapital One · $0 annual fee
Year 1 benchmark+$650
Keep benchmark+$450
United Club CardChase / United · $695 annual fee
Year 1 benchmark+$1,349
Keep benchmark+$314
United ExplorerChase / United · $150 annual fee
Year 1 benchmark+$1,313
Keep benchmark+$473
United GatewayChase / United · $0 annual fee
Year 1 benchmark+$915
Keep benchmark+$455
Delta SkyMiles ReserveAmerican Express / Delta · $650 annual fee
Year 1 benchmark+$834
Keep benchmark+$134
Hilton Honors AspireAmerican Express / Hilton · $550 annual fee
Year 1 benchmark+$1,120
Keep benchmark+$158
Marriott Bonvoy BoundlessChase / Marriott · $95 annual fee
Year 1 benchmark+$1,603
Keep benchmark+$530
Southwest Rapid Rewards PlusChase / Southwest · $99 annual fee
Year 1 benchmark+$1,171
Keep benchmark+$584
Bank of America Premium Rewards EliteBank of America · $550 annual fee
Year 1 benchmark+$1,268
Keep benchmark+$518
Wells Fargo Autograph JourneyWells Fargo · $95 annual fee
Year 1 benchmark+$1,198
Keep benchmark+$598
U.S. Bank Altitude ConnectU.S. Bank · $0 annual fee
Year 1 benchmark+$784
Keep benchmark+$584
Chase Freedom UnlimitedChase · $0 annual fee
Year 1 benchmark+$830
Keep benchmark+$630
Chase Freedom FlexChase · $0 annual fee
Year 1 benchmark+$848
Keep benchmark+$648
Ink Business PreferredChase · $95 annual fee
Year 1 benchmark+$1,920
Keep benchmark+$670
Ink Business UnlimitedChase · $0 annual fee
Year 1 benchmark+$1,290
Keep benchmark+$540
Capital One Venture X BusinessCapital One · $395 annual fee
Year 1 benchmark+$2,282
Keep benchmark+$882
Capital One Spark MilesCapital One · $95 annual fee
Year 1 benchmark+$1,220
Keep benchmark+$625
American Express Business PlatinumAmerican Express · $895 annual fee
Year 1 benchmark+$2,180
Keep benchmark+$380
Blue Business PlusAmerican Express · $0 annual fee
Year 1 benchmark+$1,044
Keep benchmark+$864
American Express GreenAmerican Express · $150 annual fee
Year 1 benchmark+$1,174
Keep benchmark+$694
Delta SkyMiles PlatinumAmerican Express / Delta · $350 annual fee
Year 1 benchmark+$858
Keep benchmark+$258
United QuestChase / United · $350 annual fee
Year 1 benchmark+$1,250
Keep benchmark+$445
Southwest Rapid Rewards PriorityChase / Southwest · $229 annual fee
Year 1 benchmark+$1,214
Keep benchmark+$683
Atmos Rewards SummitBank of America / Alaska · $395 annual fee
Year 1 benchmark+$1,798
Keep benchmark+$672
Atmos Rewards AscentBank of America / Alaska · $95 annual fee
Year 1 benchmark+$1,298
Keep benchmark+$548
Marriott Bonvoy BrilliantAmerican Express / Marriott · $650 annual fee
Year 1 benchmark+$782
Keep benchmark+$685
Hilton Honors SurpassAmerican Express / Hilton · $150 annual fee
Year 1 benchmark+$1,111
Keep benchmark+$396
IHG One Rewards PremierChase / IHG · $99 annual fee
Year 1 benchmark+$1,090
Keep benchmark+$540
World of Hyatt Credit CardChase / Hyatt · $95 annual fee
Year 1 benchmark+$1,588
Keep benchmark+$913
Bank of America Premium RewardsBank of America · $95 annual fee
Year 1 benchmark+$1,205
Keep benchmark+$605
Wells Fargo AutographWells Fargo · $0 annual fee
Year 1 benchmark+$794
Keep benchmark+$594