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Used in full, the credits are worth $520 a year against a $395 annual fee — a net of $125 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.
Statement credits, itemised
Each one links to a full explanation of how it resets and where it is most often wasted.
| Credit | Per period | Resets | Per year |
|---|---|---|---|
| Travel Credit | $300 | Annual | $300 |
| Global Entry / TSA PreCheck credit | $120 | One-time | $120 |
| Capital One & Priority Pass lounges | $0 | Annual | $0 |
Earning rates
| Category | Rate | Notes |
|---|---|---|
| Travel Hotel | 10× | |
| Travel Air | 5× | |
| Everyday | 2× |
Welcome offer
75,000 points after $4,000 of spend in the first 3 months. How to hit a minimum spend without buying things you do not need →
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
- Travel perks and card insurance, explained
- What your points are actually worth
- How statement credits really work
- Which card should you use where?
Terms last verified against the issuer’s published page on . Card terms change without notice — always confirm on the issuer’s site before applying.