Travel Credits Calculator

Find out exactly how much value you'll get from your card's travel credits — and whether the annual fee is worth it.

Step 1: Select Your Card

Card Issuer Filter by bank or financial institution

Travel Credit Card Select an issuer first

Step 2: Set Your Usage Rates

Quick presets:

Expected Usage Rate (%)

How much of each credit will you realistically use?

✈️ Airline Credit 80%

Baggage fees, seat selection, in-flight purchases

🏨 Hotel Credit 90%

Hotel bookings through portal or eligible chains

🚗 Rental Car 0%

Car rental credits or elite status value

🧳 General Travel 70%

Broad travel credit — most flexible type

🍽️ Dining Credit 80%

Restaurant, delivery apps, eligible food purchases

🎭 Entertainment 60%

Streaming, events, Equinox, eligible venues

Live Preview

Avg Usage Rate

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Est. Annual Value

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Net after fee

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Annual Spending & Lounge Visits (Optional)

Used to calculate rewards earning value

Hotels / Airfare ($)

Dining ($)

Groceries ($)

Gas / Fuel ($)

Other ($)

Lounge Visits Per Year Each visit valued at ~$35

Important Disclaimer

Estimates Only — Not Financial Advice. Credit amounts, terms, and eligible purchases change frequently. Always verify current terms with your card issuer before making decisions based on this calculator.

Credit Terms Vary

Amounts and restrictions change frequently
Some credits require enrollment
Expiry dates vary by card and credit type

Data Accuracy

Some amounts may be estimated
We update our database regularly
Verify all amounts with the issuer

Your Responsibility

Verify all credit terms officially
Card terms can change without notice
Actual usage may differ from estimates