Premium Card Reality Check

Compare the next recurring card cost with benefits you actually used — without sharing a card, account or transaction.

Recurring value, not the issuer maximum

Count credits, travel, lounge, protection, service and incremental rewards only when they replaced a real cost during your own normal use. Deduct overlap and benefit-driven extra spend.

Five hard stops before any result

Stop when current terms are unconfirmed, evidence is aspirational, overlapping benefits remain, a welcome bonus is included or interest may be carried.

A positive number is not enough

AwardLevel marks a renewal candidate only with past-12-month evidence and at least 25% more recurring value than recurring cost. This editorial buffer is not a keep-or-cancel instruction.

No card data enters AwardLevel

Eight amounts and five fixed answers remain in page memory. No card name, number, bank, account, transaction, credit score, application, cancellation, storage or transmission.

A calculator, not cancellation advice

Confirm the live fee, terms and benefit eligibility with the issuer. Closing an account can have wider consequences; the tool deliberately does not tell you to keep or cancel a product.