The Fine Print
Credit-card math, explained
MethodologyMethodology · 5 min · Jul 3, 2026
What is Net Annual Value (NAV)?
The dollar figure that answers 'is this credit card actually worth it for me?' in one number.
Start here. It's the one number the rest of the site is built on.
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ExplainerExplainer · 4 min
Is a credit card signup bonus worth it?
How to think about a one-time signup bonus when you're comparing the annual value of a card.
ExplainerExplainer · 4 min
How much is airport lounge access actually worth?
Turning 'Priority Pass Select' or 'Centurion Lounge access' into a dollar figure that reflects your travel patterns.
ExplainerExplainer · 5 min
Statement credits: what they are and how to value them
Uber Cash, travel credits, CLEAR, hotel nights: what to count and what to discount.