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Used in full, the credits are worth $120 a year against a $95 annual fee — a net of $25 in your favour before a single point is earned.
That number assumes you actually claim every credit in every window, which almost nobody does. The honest question is not whether the credits exceed the fee on paper — it is which of them you will genuinely use.
Earning rates
| Category | Rate | Notes |
|---|---|---|
| Groceries | 6× | |
| Streaming | 6× | |
| Travel Transit | 3× | |
| Gas | 3× | |
| Everyday | 1× |
Is the fee worth it?
Cardful answers this per card and per year rather than in the abstract: it tracks what you have actually claimed, compares it against the fee on your real renewal date, and returns a keep, downgrade or cancel verdict — with a retention-call script when cancelling is the wrong move. Read the framework →
Related reading
Terms last verified against the issuer’s published page on . Card terms change without notice — always confirm on the issuer’s site before applying.