Is this card worth it to you?
Pick a card. It is priced on what it earns on your spending, the sign-up bonus you were offered, and every credit and perk the issuer lists — each counted only if you would use it, and only at what it is really worth to you — then its annual fee is taken off, for the first year and every year after. 106 cards here list their perks.
This calculator needs JavaScript. Every card has a page saying what it earns in a year and whether its fee pays for itself on earning alone.
Nothing you choose here leaves this page: your picks live in the address bar after the #, which a browser never sends to a server — so a link to this page carries them, and nothing else does. How the numbers are worked out.