Travel and time

Travel Credit Card ROI Calculator (Worth the Annual Fee?)

Free, private and runs in your browser. Estimates are educational, so check official sources before you act.

Quick answer

Is a premium travel card worth the fee?

Add up: travel insurance value ($150-300), lounge access ($30/visit), free checked bag ($50/flight), welcome bonus (~$500 first year), plus 1.5-3% point earning. Most premium cards break even at $20K-30K spend.

💳 Travel Card ROI

Is the premium card actually saving you money?

Annual fee ($)Annual spending on card ($)Points earned per $1 spentCents per point (your typical redemption)Lounge visits per yearChecked bags saved per yearWelcome bonus value (year 1 only, $)

Reviewed by: Montreal Tips editorial team · Last updated: May 13, 2026

Note: Estimates only — verify with official sources before booking.