Airline card bag perks
Find how many round trips a year it takes for a $95 to $150 airline card to beat paying checked bag fees. Counts party size, bags, and trips on that airline. Free, with no sign-up.
Compare PreCheck, Global Entry and CLEAR+ with doing nothing. Enter how often you fly, the minutes each saves, and what an hour is worth to you.
At these inputs, TSA PreCheck is about break-even against doing nothing over 5 years (within $5): time worth $82 against $80 in fees.
TSA PreCheck is about break-even at these inputs, within $5 of doing nothing over 5 years. It needs about 3.9 round trips a year; you fly 4.
Global Entry does not pay back in 5 years at these inputs. Fees of $120 against time worth $82 leave you about $38 behind. It would need about 5.9 round trips a year (you fly 4), or about 7.3 minutes saved at each check (you entered 5).
CLEAR+ does not pay back in 5 years at these inputs. Fees of $1,163 against time worth $82 leave you about $1,081 behind. It would need about 56.9 round trips a year (you fly 4), or about 71.2 minutes saved at each check (you entered 5).
Global Entry costs $40 more than PreCheck over 5 years. At these inputs it adds no passport-control time that counts (you entered no trips home from abroad), so the extra cost buys nothing here.
For the years and adults you chose. The highest net is marked in words.
| Measure | Doing nothing | TSA PreCheck | Global Entry | CLEAR+ |
|---|---|---|---|---|
| Fees over 5 years, after card credit | $0.00 | $79.75 | $120.00 | $1,162.70 |
| Hours saved | 0 | 3.3 | 3.3 | 3.3 |
| Time worth | $0.00 | $81.70 | $81.70 | $81.70 |
| Net over 5 years | $0.00 | +$1.95 (highest) | -$38.30 | -$1,081.00 |
| Net if fees never rise | $0.00 | +$1.95 | -$38.30 | -$1,013.30 |
The trips a year, or minutes at each check, at which net is $0 with your other numbers.
| Measure | TSA PreCheck | Global Entry | CLEAR+ |
|---|---|---|---|
| Round trips a year to break even (you fly 4) | 3.9 | 5.9 | 56.9 |
| Minutes saved at each check to break even | 4.9 (you entered 5) | 7.3 (you entered 5) | 71.2 (you entered 5) |
| Fees per round trip | $3.99 | $6.00 | $58.14 |
| Fees per hour saved (your hour: $24.51) | $23.93 | $36.00 | $348.81 |
Each input is moved on its own.
The result moves most with years: one more year moves it by -$52, one fewer by -$16.
Next comes minutes saved: 25% more minutes moves it by +$20, 25% fewer by -$20.
Minutes saved is the least certain input. TSA PreCheck needs about 4.9 minutes at each check to break even at your other numbers.
Renewals and CLEAR+ grow by the yearly rise you entered.
If fees never rise: same as above, because no fee changes inside 5 years.
Each line is what a program has earned or cost you so far, after fees. Above the dashed line it is ahead of doing nothing. A ring marks where a line first reaches zero.
| Year | TSA PreCheck | Global Entry | CLEAR+ |
|---|---|---|---|
| Year 0 | -$79.75 | -$120.00 | -$219.00 |
| Year 1 | -$63.41 | -$103.66 | -$202.66 |
| Year 2 | -$47.07 | -$87.32 | -$411.89 |
| Year 3 | -$30.73 | -$70.98 | -$627.89 |
| Year 4 | -$14.39 | -$54.64 | -$850.85 |
| Year 5 | +$1.95 | -$38.30 | -$1,081.00 |
TSA PreCheck is a TSA program. It works only with participating airlines. TSA says no individual is guaranteed expedited screening (tsa.gov, 2026-10-18).
Global Entry is a program of US Customs and Border Protection (CBP) that includes PreCheck. It also speeds the way back into the US, though members can still be pulled aside (cbp.gov, 2026-10-18).
CLEAR+ is a private company's yearly plan. It checks who you are so, CLEAR says, you reach the front of the screening line, then you still go through TSA screening. It is offered only at some airports and terminals, so check the ones you use (clearme.com, 2026-10-18). CLEAR also enrolls people in PreCheck, a different product from CLEAR+, at the $84.95 in the sources table.
Children. TSA says children 12 and under can use the PreCheck lane with you, and teens 13 to 17 only when the PreCheck mark prints on their own boarding pass. CBP waives the Global Entry fee for a minor whose parent or guardian is enrolled or has applied, and CLEAR+ lets children under 18 use its lane free with a member. This page counts no fee for children.
New York. After conditional approval, the Global Entry interview is at a CBP enrollment center (CBP's New York list includes Bowling Green in Manhattan, JFK Terminal 4, Niagara Falls, Champlain, Alexandria Bay and Ogdensburg) or on landing from abroad at an airport that offers Enrollment on Arrival (CBP lists Buffalo Niagara and JFK). Bring a passport and proof of residency. For PreCheck, use TSA's locator. Centers, hours and appointments change.
Your time to enroll: an online form and a short visit, plus an interview for Global Entry. The chance a lane is closed or you are pulled out of it. A card's own yearly fee. Tax. Interest on the money. Comfort or stress. CLEAR's first-year bundle with PreCheck ($134 on tsa.gov, 2026-10-18). If PreCheck or CLEAR+ is not offered where you fly, enter 0 minutes.
Hours saved on a round trip are the checks times the minutes saved at each, over 60. Global Entry adds the share of trips that end abroad times its passport-control minutes. Time worth is hours saved times the value of an hour, for every adult counted, over the years.
PreCheck and Global Entry are paid up front and again at the start of year 6 and 11. CLEAR+ is paid every year. A card credit comes off each payment, never below $0. Renewals and CLEAR+ rise by the yearly rise, with no discounting. Net is time worth minus fees. Within $5 of doing nothing is called about break-even. Break-even trips is the fees over what one more round trip a year is worth.
Each row of the table shows when its source was read or tried. Prices vary, so check the official page. The table holds examples, not quotes. tsa.gov and cbp.gov refused direct requests, so their figures are marked "summary read" (a page reader that summarizes pages). A page that did not open is marked "not opened" in the table. Which airports have CLEAR, the minutes CLEAR+ or passport control saves, and any card's credit terms are unverified. No screen reader has been run on this page.
CLEAR+ is a private company's service. The dollar figures here are your inputs times its published prices, not a recommendation. No referral or affiliate links. Not advice. An estimate from the numbers you typed, not an offer.
Starting assumptions are example benchmarks, not binding quotes. Change any input to match your own bills or offers.
| Assumption / Input | Starting value | Source | Checked |
|---|---|---|---|
| TSA PreCheck, 5 years | $79.75 (IDEMIA; Telos $85.00, CLEAR $84.95) (summary read, re-read) | TSA PreCheck; provider pages not opened | 2026-10-18 |
| TSA PreCheck renewal | $58.75 (IDEMIA online; summary read, re-read) | TSA PreCheck | 2026-10-18 |
| TSA PreCheck lanes and the guarantee | Not a default; "no individual is guaranteed expedited screening" (summary read) | TSA PreCheck, TSA PreCheck FAQ | 2026-10-18 |
| Children in the PreCheck lane | Not a default; 12 and under with you, 13 to 17 need their own mark (summary read) | TSA children rule | 2026-10-18 |
| Global Entry, 5 years | $120, includes PreCheck (summary read, re-read) | CBP Global Entry, CBP fee page | 2026-10-18 |
| Global Entry renewal | $120 (typical, edit this; CBP lists no separate renewal fee) | CBP Global Entry; CBP renew and how-to-apply pages not opened | 2026-10-18 |
| CLEAR+, first adult | $219 a year, $125 each added adult, children 17 and under free; the seller's own page (read directly, re-read) | CLEAR+, family accounts; CLEAR airport list not opened | 2026-10-18 |
| Minutes saved at each check, PreCheck and Global Entry | 5 (typical, edit this; sources disagree: sensors 2.9 across the US, one FlightQueue article 15 to 22) | FlightQueue, State of TSA Spring 2026 (not official) | 2026-10-18 |
| Wait gaps (the buttons) | US 2.9, LaGuardia 5.3, JFK 11.9 minutes, one week in April 2026 (not official) | FlightQueue, State of TSA Spring 2026 | 2026-10-18 |
| Minutes saved at each check, CLEAR+ | 5 (typical, edit this; no source separates CLEAR+ from PreCheck) | CLEAR+ (the seller's own page) | 2026-10-18 |
| Minutes saved at passport control | 10 (typical, edit this; no source) | CBP gives no minutes; awt.cbp.gov not opened | 2026-10-18 |
| Value of an hour | $24.51, median hourly wage, May 2025 (read directly, re-read); mean $33.54 | BLS Occupational Employment and Wages | 2026-10-18 |
| Yearly fee rise | 3 percent (typical, edit this) | BLS Consumer Price Index | 2026-10-18 |
| Card credit | $0; typical credits run about $85 to $120 every 4 to 4.5 years (second-hand, unverified) | No card named; issuer pages not opened | 2026-10-18 |
| Global Entry interview sites in New York | Not a default; six centers on CBP's list (summary read, re-read) | CBP New York list, Enrollment on Arrival | 2026-10-18 |
| PreCheck enrollment sites in New York | Not a default; TSA's locator (not opened: it loads by script) | TSA enrollment locator | 2026-10-18 |