JPMorgan Chase and American Express upped their premium credit-card fees this year, with Chase lifting the Sapphire Reserve’s to $795 from $550, and Amex raising its Platinum fees to $895 from $695.

The price increases are a bet that consumers will pay more each year in exchange for exclusivity and status. But it can feel nearly impossible to decipher which card offers the best value: Which one has the best lounge access? Which has better deals on subscriptions? Are either really worth splurging on?

Bloomberg’s credit-card comparison tool is designed to help answer those questions. Take our quiz to see if either card’s annual fees deliver enough travel and other benefits for your spending habits.

• The best airline loyalty programs right now
• Loyalty points aren’t worth what they used to be
• Eight easy ways to earn and burn credit card points for travel

Sign up for Bloomberg Wealth, a guide to your money, delivered weekly. Plus, Family Office Focus, delivered monthly. 

Unlock the full experience; enjoy unlimited reading on Bloomberg.com and the Bloomberg app. Subscribe today for a limited-time rate of $399 $149/first year.