How much is your premium card actually returning?
Most premium-card holders only claim 30-50% of the advertised credit stack. Pick your cards below, enter what you've claimed this year, and see the gap.
No affiliate revenue on card applications. The math is honest even when it says cancel. See Card Coach →
Step 1 · Which cards do you carry?
Pick at least one card to start. We'll show its trackable credits below.
How the math works
For each card you select, we sum the advertised dollar value of its top trackable statement credits. You tell us how much of each you've actually claimed this year. The difference is the dollars you're leaving on the table.
We don't double-count: if a card has 'use-or-lose' credits like the Equinox or hotel credit, you decide what you claimed. The default is $0 (nothing claimed). Use "Full" to mark a credit as fully realized, "$0" to mark unrealized.
Net cost = annual fee minus realized credits. A negative number means the card pays for itself purely on credits — and you haven't even counted points earnings yet.
FAQ
Where do these credit values come from?expand_more
Our card catalog tracks 182 credits across the 93-card US catalog. Values reflect the post-2025 refresh (Amex Plat $895 fee, $2,500+ credits; Chase Sapphire Reserve $795; Gold $325). Updated as issuer terms change.
I have credits not in this list — am I missing them?expand_more
We surface the top trackable credits per card (typically 5-12 of the biggest). For a complete per-card view including obscure credits + bonus-category math, sign up and add the card to your wallet — Card Coach handles the full picture.
Why does Equinox / Hotel / IHG credit show as 'use or lose'?expand_more
Some credits require spending at a specific partner. If you don't shop at Saks, the Saks credit is $0 to you in practice — even if you 'have' it. The calculator factors this in: only credits you actually claim count.
Does this work for cards from countries outside the US?expand_more
Currently US-only. The calculator's data follows the US catalog. UK/IN/AU support is on the roadmap.
How is this different from the calculator on [insert blog]?expand_more
Independence. TravelDiari doesn't earn affiliate revenue on card applications, so when the math says 'cancel this card,' we say cancel. Most blog calculators are gentle about it because their revenue depends on keeping you in the card.