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.
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Hilton Honors Aspire Amex
American Express · $550 annual fee
$2,289 / yr
+$1,739 net of AF
American Express Platinum Card
American Express · $895 annual fee
$1,600 / yr
+$705 net of AF
American Express Business Platinum
American Express · $695 annual fee
$1,255 / yr
+$560 net of AF
Marriott Bonvoy Brilliant Amex
American Express · $650 annual fee
$1,075 / yr
+$425 net of AF
Delta SkyMiles Reserve Amex
American Express · $650 annual fee
$990 / yr
+$340 net of AF
Chase Sapphire Reserve
Chase · $795 annual fee
$1,125 / yr
+$330 net of AF
United Quest Card
Chase · $250 annual fee
$440 / yr
+$190 net of AF
World of Hyatt Card
Chase · $95 annual fee
$250 / yr
+$155 net of AF
Capital One Venture X
Capital One · $395 annual fee
$510 / yr
+$115 net of AF
American Express Gold Card
American Express · $325 annual fee
$424 / yr
+$99 net of AF
Chase Sapphire Preferred
Chase · $95 annual fee
$130 / yr
+$35 net of AF
American Express Business Gold
American Express · $375 annual fee
$396 / yr
+$21 net of AF
Citi Strata Premier
Citi · $95 annual fee
$100 / yr
+$5 net of AF
Bilt Blue
Column N.A. · $0 annual fee
$0 / yr
+$0 net of AF
Chase Freedom Unlimited
Chase · $0 annual fee
$0 / yr
+$0 net of AF
Chase Freedom Flex
Chase · $0 annual fee
$0 / yr
+$0 net of AF
Chase Ink Business Cash
Chase · $0 annual fee
$0 / yr
+$0 net of AF
Chase Ink Business Unlimited
Chase · $0 annual fee
$0 / yr
+$0 net of AF
Capital One Venture
Capital One · $95 annual fee
$25 / yr
$-70 net of AF
Bilt Obsidian
Column N.A. · $95 annual fee
$0 / yr
$-95 net of AF
Chase Ink Business Preferred
Chase · $95 annual fee
$0 / yr
$-95 net of AF
Bilt Palladium
Column N.A. · $495 annual fee
$0 / yr
$-495 net of AF
Values assume full use of each credit. Click any perk to see how to redeem it. "Net of AF" = total annual perk value minus the annual fee.