Elite Credit Card

Earn Rules?How much you earn back per dollar in each spending category. Cashback cards show these as percentages (2% back on groceries). Points/miles cards show them as multipliers (3x on dining). The math applies each rule to your spending in that category to compute total rewards for the year.

Statement Credits?Annual dollar credits the card issues automatically or via reimbursement, such as travel credits, Uber Cash, CLEAR, hotel night certificates, and similar. Counted at face value in the math; you decide which ones you'd actually use.

Each credit shown at full face value. The NAV math counts the total. What you actually use is your call.

Why this differs from the issuer's headline number. Card marketing sums every credit at full value and assumes you use all of them. We count each credit at face value too, but only the ones shown above. A credit you won't use is worth $0 to you, so the honest number for most people is lower than the brochure. Decide which ones fit your life; the calculator counts what you tell it to.

Signup Bonus?A one-time reward for opening the card and meeting a spend requirement. The full bonus counts toward the card's Year 1 value (only when your spend qualifies) and is excluded from its ongoing value.

$300 bonus cash back or 30,000 bonus points, when you spend $5,000 in the first 90 days

Value: $300 · Spend $5,000 in 3 months

This bonus is counted in full in the card's Year 1 value, and only when your spend meets the requirement. It's excluded from the ongoing value.

Who This Card Makes Sense For

• People who reliably pay their balance in full each month. The 25.74% APR would wipe out the card's other benefits within a single billing cycle of revolving.

Where This Came From

• Annual fee“Annual fee $195”
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• APR range“17.74% – 25.74%”
  Source ↗⚑
• Intro APR“0%”
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Wondering if this card pays off for your situation? Is the Elite Credit Card worth it? →

Cards in the Same Fee Tier That Score Higher

A similar annual fee, ranked higher at the default profile.

• Hilton Honors American Express Surpass® Card$972 (+$588)
• Delta SkyMiles® Gold American Express Card$859 (+$475)
• Disney® Inspire Visa® Card$669 (+$285)