Free calculator
What's your card really worth?
Add the cards in your wallet and instantly see your total annual statement-credit value, which luxury hotel programs you can book, and how far your credits go.
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Your annual credit pool
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Add your cards to see what they're worth.
Credit values are annualized from each card's published statement credits (a monthly credit counts ×12, semi-annual ×2, and so on) and assume you use them fully — real value depends on your spending. Plastic Prowl is independent and not affiliated with any card issuer. Verify current terms with your bank.
About this calculator
- How is "annual credit pool" calculated?
- We add up the dollar-value statement credits each selected card carries, annualized to a full year. It's the maximum value if you use every credit — a ceiling, not a guarantee.
- What does "toward hotels" mean?
- The portion of your credits that applies to a luxury hotel program — Amex FHR / The Hotel Collection, Chase The Edit, Capital One Premier, or Citi Reserve. That's what Plastic Prowl helps you actually spend.
- Where do I book?
- Always on the card issuer's official travel site. Plastic Prowl shows the real price after your credit so you know where your benefit goes furthest — then you book with the issuer.