Card switch calculator
What is your current card actually costing you?
Pick the card you use most and your typical monthly spend. We compare it against the best-ranked real card for that spend — by ongoing value, not a one-time bonus — so you can see what switching is actually worth before you apply for anything.
Your numbers
American Express Gold Card
26 verified cards to compare against
$
Compared against
Best-ranked real alternative
You're leaving on the table · per year
$681
vs. switching to Citi Strata Premier Card — ongoing value only, no welcome bonus included yet.
American Express Gold Card ($325/yr fee)$-85/yr
Citi Strata Premier Card ($95/yr fee)$596/yr
That's per month
$57
Over 5 years
$3,405
Plus, right now: an estimated $600 welcome offer on Citi Strata Premier Card in year one — on top of the ongoing gap above.
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Ongoing value = estimated annual rewards for your entered spend minus the annual fee, using the same methodology as our card rankings — it does not include a one-time welcome bonus unless noted separately above. Actual value depends on your real spending categories, redemption choices, and issuer terms.
Already holding a few cards? Card Autopilot tracks perk usage across your wallet and automatically recommends which card to use for each purchase.