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Is This Bonus Worth It?
Enter any welcome bonus and annual fee, pick your expected CPP, and get the real first-year value.
$
Used to estimate year-1 earn (assumes ~1.5× avg multiplier across categories)
First-year value breakdown
Welcome bonus (60,000 pts × 2¢)+$1,200
Year-1 earn on $5,000 spend+$150
Annual fee−$95
Net first-year value+$1,255
Break-even: bonus points needed just to cover the fee4,750 pts
🏆 Excellent — Take it
First-year value far exceeds the annual fee. This is one of the best deals in points.
Estimates use a 1.5× average earn multiplier for year-1 spend. Actual value varies by how you redeem and which categories you spend in.