Keep or cancel?

The annual fee just hit and you're wondering if the card still earns its place. For each card we give a plain verdict — keep, weigh it, downgrade, or cancel — from the fee versus the statement-credit value you'd realistically use, plus the non-credit value (lounges, transferable points, perks) the credit math doesn't see. Vendor-neutral, and we tell you what to try before you cancel.

Want it ranked on your actual spend? Find-a-card does the full math.