Disclosure: Cardful may earn a commission if you are approved for a card through our links. It never changes the offer you receive, and it never changes what we recommend. How we make money.
Used in full, the credits are worth $100 a year against a $95 annual fee — a net of $5 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
Values shown per period and annualised across the periods in a year.
| Credit | Per period | Resets | Per year |
|---|---|---|---|
| Hotel Credit | $100 | Annual | $100 |
Earning rates
| Category | Rate | Notes |
|---|---|---|
| Travel Hotel | 10× | |
| Travel Air | 3× | |
| Dining | 3× | |
| Groceries | 3× | |
| Gas | 3× | |
| Everyday | 1× |
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
- Is the annual fee worth it?
- How statement credits really work
- The money you leave on the table
Terms last verified against the issuer’s published page on . Card terms change without notice — always confirm on the issuer’s site before applying.