Make your wallet pay for itself

Value calculator

Estimate the net annual value of each premium card based on how you actually travel.

Flights per yearLounge visits per yearAnnual airline spend ($)Annual hotel spend ($)

Cards you already own

Best card for you

The Business Platinum Card

Lounge value$1,100

Usable credits$996

Annual fee−$895

Net value$1,366

1. The Business Platinum Card$1,366

2. Sapphire Reserve$1,336

3. The Platinum Card$1,277

Assumes ~$55 value per lounge visit and partial credit usage scaled to your travel spend. Illustrative only.