Our calculator uses Google's Gemini AI with Google Search Grounding. After computing your ROI from the numbers you enter, Gemini analyzes your spending patterns, verifies current reward rates via live Google Search, and provides a personalized verdict on whether your card's annual fee is justified.
Your spending data is only used for the analysis request and is never stored on our servers. The form runs entirely client-side, and the API processes your request in real time without retaining any personal financial information.
The preset reward rates are based on publicly available card terms. When the AI analysis runs, Gemini verifies current rates via Google Search in real time, so you'll get a rate-check note if anything has changed since our presets were last updated.
You can manually enter any credit card's details — just type the card name, annual fee, your monthly spending, and the reward rates for each category. The AI will still analyze your ROI and provide a personalized verdict.