Now, do the math. You have to get out your calculator, Sherry says. First, add the dollar value of your rewards to the dollar value of your perks to get the total yearly dollar value youre getting from the card. Look at how that number stacks up against your annual fee. If the monetary value you get is lower than the fee, the card is a bad deal. If the amount you get is equal to or higher than the annual fee ideally much higher, of course your card is earning its keep. 6.Account for any perks you cant put a price on. Know that the monetary value may not represent why you continue to hold that card. Many cardholders like that their credit cards offer peace of mind through extended warranty coverage and travel insurance , even if they never file a claim.
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