Tophat FinancialAirline Status Opportunity Cost Engine
Define your wallet. Evaluate a new card. See the true cost of hitting status.
1. My Baseline Wallet
Assign your current cards to your spending categories.
Edit Monthly Spend ($):
2. The Goal
What airline status are you trying to hit?
3. The New Card
Which card are you evaluating to hit this status?
Realistic Valuations
Adjust the value of points (in dollars). Set to realistic redemption values.
Baseline Wallet Summary
$1,938
Annual Rewards Value
Baseline Tier: None
Total Points: 3,000
Total Fees: $645
New Wallet Simulation
$1,224
New Rewards Value
New Tier: Gold
Total Points: 8,000
Total Fees: $1,170
The Verdict
To hit the target tier, it will cost you a net total of $1,239 in lost rewards and additional annual fees.
Recommended Spend Shift (The Greedy Algorithm)
We mathematically sorted your spending categories to find the cheapest places to pull spend from, protecting your high-earning categories as much as possible.
- Move travel Spend$12,000 / year
- Move other Spend$24,000 / year
- Move gas Spend$2,400 / year
- Move dining Spend$6,000 / year
- Move groceries Spend$8,100 / year
Are the intrinsic perks of the Gold tier worth spending $1,239 to you? If yes, get the card. If no, stick to your baseline wallet.