Which credits would you really use?
These drive the fee. Unused perks count as $0, however large they look.
Where your money goes in a year
Enter what you put on the card in a year. Points count only from the spending you enter.
Your first 12 months only
One-time value is kept separate so it doesn't skew your ongoing estimate. Toggle to “First 12 months” to see it. Crino members have this tracked for them: a reminder before each credit runs out, and a renewal brief before the annual fee posts showing whether the card earned its place.
Welcome offer and first-year credits
Also on the card, not counted
Lounges, elite status and per-stay perks are real, but what they're worth depends on how you travel.
Your answer
Credits alone, a year
With points, a year
First 12 months
How we got this
| Value | Normal year | First 12 months |
|---|
Crino members see what their points are worth on the trips they've saved, and get a reminder before each credit runs out.
Become a founding member