Tool · What a welcome offer is worth

What's left after the annual fee

This covers 81 cards, all verified and all with a clearly stated offer amount. The most recent check was on October 11, 2026.

Choose a cardAbout how much you can spend each month ($)Value per point, in cents

Leave it blank to use the per-point values in the point valuations. Those are assumptions. What points are worth depends on how you use them: less as a statement credit, more when transferred to miles for flights. To use your own figure, enter a number in the field above.

First-year net value

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Offer value—

First-year annual fee—

First-year net value—

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