Premium cards are now an $895-a-year job. Amex Platinum runs $895. Chase Sapphire Reserve runs $795. The press has started calling them coupon books: pay up front, then do the work to earn the refund back in credits.
Pick the cards you actually carry, tell us what you actually use, and this calculator shows your number, not a marketing average.
Fees and credits below come straight from Perq's live card database, refreshed quarterly. Tap a card to add it.
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For each credit: never used it, used about half its value, or used the whole thing. Most people land on "partial" — that's the honest default.
Select at least one card to see your number.
Every credit above, every reset date, every card in your household, kept current automatically. Add a card by name; nothing ever asks for your bank password.