Upgrade Life Rewards — Value Calculator
Estimate this card's 2-year value based on your spending. Annual fees are included.
All information about Upgrade Life Rewards has been collected independently by MaxRewards. Upgrade Life Rewards is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Based on your current assumptions.
Rewards from Spending
Enter your expected yearly spend by category.
Beauty
Gas
Grocery
Gym
Streaming
Telecommunication
Everywhere
Your assumptions
Build your estimate
Rewards from Spending
Enter your expected yearly spend by category.
Beauty
Gas
Grocery
Gym
Streaming
Telecommunication
Everywhere
How the math works
How your estimate is calculated
We add the value this card could provide over two years, then subtract what it costs to keep.
Why two years?
Two years gives you a steadier view of the card’s ongoing value and cost than a single year. This is especially useful for cards with welcome offers or annual fees.
Your 2-year estimate
Based on the choices above
Counted in both years
Annual fees
First-year fee + ongoing annual fee
Estimated 2-year value
A planning estimate, not a guarantee.
We apply the card’s reward rate to the yearly spending you entered for each category. Spending above a category cap earns the card’s base rate, and the yearly rewards total is counted twice.
We subtract the card’s first-year fee and its ongoing annual fee. If the first-year fee is waived, the first year counts as $0.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.