Updated:
Card Renewal Calculator Credit Card Spreadsheet
Filled example inside (made-up numbers): one traveler checks a bag on 1 round trip a year and buys $25 of inflight snacks, so the card gives back $115.00 against its $150 annual fee: $35.00 lost at renewal. Many guides count every new perk at face value; this calculator counts only what you really use.
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Downloads right after payment · every field stays editable (Word/Excel, LibreOffice, Google Docs).
Excel · Checkout by Whop (card, Apple Pay, Google Pay).
Preview
What's inside
- Card_Renewal_Calculator_2027_Blank.xlsx
- Card_Renewal_Calculator_2027_Example.xlsx
WHO IT IS FOR
- US holders of the airline co-branded credit card whose annual fee goes from $99 to $150 at renewals after Jan 24, 2027
- Families who fly together and check bags
- Anyone deciding to keep, downgrade or cancel before the fee posts
WHAT IS INSIDE
- Filled example + blank workbook, same layout, how-to page with dated sources
- 8 yellow input boxes: fee, travelers, bag trips, bag fee, inflight spend, card spend, Global Entry, other perks
- "Renew or not" sheet: 10 live results incl. lost at renewal and bag round trips to break even (1.39 in the example)
- "2026 vs 2027 rules" sheet: what the change does to you (-$32.25 a year in the example) and net over 4 renewals (-$140.00)
WHY THIS ONE
- Inflight credit counted as what you spend (up to 100), not the full 100
- The 2027 rules are in the formulas: bags for up to 5 on one reservation, 150 discount at 20,000 spend, 120 Global Entry every 4 years
FORMAT
- .xlsx for Excel, Google Sheets, Numbers or LibreOffice Calc
- US Letter, each sheet prints on one page
HOW TO USE
- Open the blank file
- Fill the 8 yellow boxes with your own year
- Read "Lost at renewal" and decide before the fee posts
Personal calculator, not financial advice; not affiliated with any bank or airline.
- Fill-in guide in every file: a “Fill in with AI” chapter with ready-made sentences for an AI chat assistant, matched to the template’s fields
Buy the file — $11.99 one-time
Downloads right after payment · every field stays editable (Word/Excel, LibreOffice, Google Docs).
Excel · Checkout by Whop (card, Apple Pay, Google Pay).
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A template you fill in yourself — not legal or tax advice.