Perks Tracker
Annualized value of every perk and credit on each card, minus the annual fee. Don't leave money on the table — set up your wallet on the Optimizer page to see only your cards.
Tip: set up your wallet on the Optimizer page.
American Express Platinum Card
American Express · $695 annual fee
$8,064 / yr
+$7,369 net of AF
- $200 airline incidental credit$200 · Annual
- $200 hotel credit (FHR/THC prepaid)$200 · Annual
- $200 Uber Cash ($15/mo + $20 Dec)$200 · Monthly
- $240 digital entertainment credit$240 · Monthly
- $199 CLEAR Plus credit$199 · Annual
- $300 Equinox credit$300 · Annual
- $155 Walmart+ credit$155 · Monthly
- Centurion Lounge access · Ongoing
- Priority Pass Select · Ongoing
- Delta Sky Club (when flying Delta) · Ongoing
- Marriott Gold + Hilton Gold status · Ongoing
- Global Entry / TSA PreCheck$100 · Every 4 years
American Express Business Gold
American Express · $375 annual fee
$4,740 / yr
+$4,365 net of AF
- $240 flexible business credit ($20/mo at FedEx, GrubHub, Office Supply)$240 · Monthly
- $155 Walmart+ credit$155 · Monthly
American Express Gold Card
American Express · $325 annual fee
$4,088 / yr
+$3,763 net of AF
- $120 Uber Cash annually ($10/month)$120 · Monthly
- $120 dining credit ($10/month at Grubhub/Resy partners)$120 · Monthly
- $84 Dunkin' credit ($7/month)$84 · Monthly
- $100 Resy credit (semi-annual)$100 · Semi-annual
Marriott Bonvoy Brilliant Amex
American Express · $650 annual fee
$4,375 / yr
+$3,725 net of AF
- Anniversary Free Night (up to 85k points)$750 · Annual
- Platinum Elite status · Ongoing
- $300 dining credit ($25/mo)$300 · Monthly
- Priority Pass Select · Ongoing
- Global Entry / TSA PreCheck$100 · Every 4 years
American Express Business Platinum
American Express · $695 annual fee
$4,055 / yr
+$3,360 net of AF
- $200 airline incidental credit$200 · Annual
- $400 Dell credit (semi-annual)$400 · Semi-annual
- $360 Indeed credit$360 · Quarterly
- $150 Adobe credit$150 · Annual
- $120 wireless credit ($10/mo)$120 · Monthly
- Centurion Lounge + Priority Pass · Ongoing
- Marriott Gold + Hilton Gold · Ongoing
- Global Entry / TSA PreCheck$100 · Every 4 years
Delta SkyMiles Reserve Amex
American Express · $650 annual fee
$3,630 / yr
+$2,980 net of AF
- Delta Sky Club access (when flying Delta) · Ongoing
- Centurion Lounge access (when flying Delta on Amex-paid ticket) · Ongoing
- Free first checked bag · Ongoing
- $240 Resy credit ($20/mo)$240 · Monthly
- Annual companion certificate (domestic First/Comfort+/Main)$750 · Annual
- MQD boost / status earn · Annual
Hilton Honors Aspire Amex
American Express · $550 annual fee
$3,289 / yr
+$2,739 net of AF
- Diamond status (automatic) · Ongoing
- Anniversary Free Night$750 · Annual
- Free Night after $30k spend$750 · Annual
- $400 Hilton Resort credit ($200 semi-annual)$400 · Semi-annual
- $200 flight credit ($50/quarter)$200 · Quarterly
- $189 CLEAR Plus credit$189 · Annual
United Quest Card
Chase · $250 annual fee
$440 / yr
+$190 net of AF
- $200 United travel credit ($125 + $75)$200 · Annual
- Free first & second checked bags · Ongoing
- Anniversary award flight discount (10k miles back, twice/year)$240 · Annual
- Priority boarding · Ongoing
World of Hyatt Card
Chase · $95 annual fee
$250 / yr
+$155 net of AF
- Anniversary Free Night (Cat 1-4)$250 · Annual
- Discoverist status (automatic) · Ongoing
- 5 Tier-Qualifying Nights annually · Annual
Capital One Venture X
Capital One · $395 annual fee
$510 / yr
+$115 net of AF
- $300 Capital One Travel credit$300 · Annual
- 10,000 anniversary bonus miles$185 · Annual
- Priority Pass + Capital One Lounge access · Ongoing
- Hertz President's Circle status · Ongoing
- Global Entry / TSA PreCheck credit$100 · Every 4 years
Citi Strata Premier
Citi · $95 annual fee
$100 / yr
+$5 net of AF
- $100 annual hotel credit (Citi Travel, $500+ stay)$100 · Annual
Bilt Mastercard
Wells Fargo · $0 annual fee
$0 / yr
+$0 net of AF
- Rent Day (1st of month) — 2x on non-rent spend · Monthly
- No foreign transaction fees · Ongoing
Chase Sapphire Preferred
Chase · $95 annual fee
$50 / yr
$-45 net of AF
- $50 annual Chase Travel hotel credit$50 · Annual
- 10% anniversary points bonus · Annual
- Primary rental car insurance · Ongoing
- Trip delay & baggage protection · Ongoing
Capital One Venture
Capital One · $95 annual fee
$25 / yr
$-70 net of AF
- Global Entry / TSA PreCheck credit$100 · Every 4 years
- Hertz Five Star status · Ongoing
Chase Ink Business Preferred
Chase · $95 annual fee
$0 / yr
$-95 net of AF
- Cell phone protection (up to $1,000/claim) · Ongoing
Chase Sapphire Reserve
Chase · $795 annual fee
$325 / yr
$-470 net of AF
- $300 annual travel credit$300 · Annual
- Priority Pass Select lounge access · Ongoing
- Sapphire Lounge access · Ongoing
- Global Entry / TSA PreCheck credit$100 · Every 4 years
- DoorDash DashPass + monthly credits · Monthly
- Lyft 5x + monthly credits · Monthly
- Apple TV+ & Apple Music subscriptions · Ongoing
Annualized values assume you fully use each credit. "Net of AF" subtracts the annual fee from total perk value.