Find the Best Credit Card and Calculate Your Rewards Worldwide

The Point Calculator is a free suite of credit card and rewards calculators covering 400+ cards and 170+ loyalty programs across the US, UK, Canada, and Australia. Find the best credit card, calculate exactly what your rewards are worth, and compare cards by net value after benefits and fees.

Explore By Region

Calculators are in local currency with region-specific transfer partners, valuations, credit cards and more

🇺🇸

United States

Values in USD
Explore

Top Rewards Programs

Delta SkyMiles
Delta SkyMiles Airline Frequent Flyer Program Great for Delta flyers who like simple redemptions and frequent award deals. Also useful for partner flights when prices make sense.
Marriott Bonvoy Points
Marriott Bonvoy Points Hotel Loyalty Program Great for hotel stays almost anywhere thanks to a massive footprint. Best used for multi-night stays and free-night certificates (when available).
Chase Ultimate Rewards Points
Chase Ultimate Rewards Points Credit Card Rewards Program Great for easy travel redemptions plus strong travel protections. Transfer 1:1 to airline and hotel partners—especially useful for United, Southwest, Hyatt, and IHG.
AMEX Membership Rewards Points
AMEX Membership Rewards Points Credit Card Rewards Program Great for airfare redemptions. Points can be transferred to a large handful of airline and hotel partners. Fantastic for Delta and Marriott travelers.

Top Credit Cards

American Express® Gold Card
American Express® Gold Card American Express Earn 4x at restaurants and U.S. supermarkets (caps apply)
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card Chase Bank Earn up to 5X points on travel and dining with a $95 annual fee
Capital One Venture X Rewards Credit Card
Capital One Venture X Rewards Credit Card Capital One Earn 10x on travel through Capital One Travel
American Express Platinum Card®
American Express Platinum Card® American Express Earn 5X points on flights and prepaid hotels plus over $3,500 in annual credits
🇨🇦

Canada

Values in CAD
Explore

Top Rewards Programs

TD Rewards Points
TD Rewards Points Credit Card Rewards Program Best for booking travel through Expedia For TD (flights, hotels, cars, and more). Also flexible if you prefer redeeming points to cover eligible purchases.
Canadian Tire Money
Canadian Tire Money Retail Rewards Program Best for everyday savings at Canadian Tire family stores (and often gas/auto-related spend). Simple, practical value if you shop the ecosystem.
Air Canada Aeroplan Points
Air Canada Aeroplan Points Airline Frequent Flyer Program Top choice for Air Canada flyers and Star Alliance awards. Great for international trips, partner flights, and building complex itineraries.
AMEX Membership Rewards Points
AMEX Membership Rewards Points Credit Card Rewards Program Great for airfare redemptions. Points can be transferred to a large handful of airline and hotel partners. Fantastic for Aeroplan, Delta and Marriott travelers.

Top Credit Cards

American Express Cobalt® Card
American Express Cobalt® Card American Express Earn 5x on dining and groceries in Canada
Scotia Momentum® Visa Infinite* Card
Scotia Momentum® Visa Infinite* Card Scotiabank Earn 4% on groceries, recurring bills, and subscriptions
MBNA Rewards World Elite® Mastercard®
MBNA Rewards World Elite® Mastercard® MBNA Earn 5x points on everyday categories with premium perks
The Platinum Card®
The Platinum Card® American Express Earn 2x on dining and travel
🇬🇧

United Kingdom

Values in GBP
Explore

Top Rewards Programs

British Airways Executive Club Avios
British Airways Executive Club Avios Airline Frequent Flyer Program Best for Reward Flights, upgrades, and short-haul value when availability is good. Great if you can be flexible with dates and routes.
Virgin Atlantic Flying Club Points
Virgin Atlantic Flying Club Points Airline Frequent Flyer Program Great for premium-cabin redemptions and partner awards when deals pop up. Best for travelers who like hunting for sweet spots.
Hilton Honors Points
Hilton Honors Points Hotel Loyalty Program Great for reliable hotel redemptions worldwide. Strong pick for frequent Hilton stays and travelers who value consistency.
AMEX Membership Rewards Points
AMEX Membership Rewards Points Credit Card Rewards Program Great for airfare redemptions. Points can be transferred to a large handful of airline and hotel partners. Fantastic for British Airways, Virgin Atlantic, and Marriott travelers.

Top Credit Cards

The Platinum Card®
The Platinum Card® American Express Enjoy global lounge access and luxury travel
Barclaycard Avios Plus
Barclaycard Avios Plus Barclaycard Enjoy 1.5X Avios and discounted airport lounge access
British Airways American Express® Premium Plus Card
British Airways American Express® Premium Plus Card American Express Earn 3X Avios with BA and 1.5X everywhere else
American Express® Business Platinum Card
American Express® Business Platinum Card American Express Enjoy global lounge access and luxury perks
🇦🇺

Australia

Values in AUD
Explore

Top Rewards Programs

Westpac Altitude Rewards Points
Westpac Altitude Rewards Points Credit Card Rewards Program Great for flexible rewards—redeem for travel or transfer to airline partners like Velocity and KrisFlyer. Strong option if you want transfer flexibility.
Flybuys Points
Flybuys Points Retail Rewards Program Best for everyday earning (especially groceries) with the option to transfer to Velocity. Great for slowly building flight rewards from routine spend.
Virgin Australia Velocity Points
Virgin Australia Velocity Points Airline Frequent Flyer Program Great for Virgin Australia flights and a wide range of partner redemptions. Strong choice if you want Australia-to-world options through partners.
AMEX Membership Rewards Points
AMEX Membership Rewards Points Credit Card Rewards Program Great for airfare redemptions. Points can be transferred to a hefty handful of airline and hotel partners.

Top Credit Cards

Westpac Altitude Black credit card
Westpac Altitude Black credit card Westpac Enjoy up to 3X points & lounge access
American Express® Platinum Card
American Express® Platinum Card American Express Enjoy global lounge access and up to 2.25X points per $1

What The Point Calculator Offers

A free suite of seven calculator tools, available in regional editions for the US, UK, Canada, and Australia. Pick your region above to access the full toolkit with local cards, currencies, and transfer partners.

Best Credit Card Finder Rank cards by category, network, bank, or loyalty program based on your actual spending. Auto-converts transfer-partner card bonuses for direct comparison.
Credit Card Rewards Calculator Calculate total points, miles, or cash back earned plus net annual value (rewards + benefits − fees) for any card. Compare up to 10 cards side-by-side.
Points & Miles Value Calculator See cash value across every redemption type for 170+ programs — flights, hotels, transfers, gift cards, and more. Not just one number.
Transfer Calculator Calculate one-to-all, all-to-one, or one-to-one transfers between 80+ partner programs. See real conversions, not just ratios.
Credit Card Partner Tool See every credit card that earns rewards transferable to a given program — both co-branded and flexible-points cards, sorted by best offer.
Buy Rewards Calculator Determine if buying points is worth it based on your existing balance, target redemption, and how many more you need.
CardSnapshot Save and share calculator results as public links. Recipients don't need an account to view your card setup or spend breakdown.

About The Point Calculator

Our Mission: Transparency in Every Point

At The Point Calculator, we believe that loyalty rewards are a form of currency—and you should know exactly what that currency is worth. Whether you are earning Marriott Bonvoy points in London or maximizing your American Express credit card spend in Toronto, our mission is to provide the most accurate, real-time data to help you travel further for less.

Why Regional Accuracy Matters

Most points websites focus solely on a specific market, but a point earned in one region doesn't always have the same path to value as one earned in another. We built specialized engines for the United States, Canada, United Kingdom, and Australia to account for:

💱

Local Currencies

All valuations are calculated in your local spend (USD, CAD, GBP, or AUD).

🔗

Region-Specific Ratios

We track the exact transfer partners and ratios available to your specific cards.

⚖️

Unbiased Methodology

Our valuations are based on hundreds of real-world award searches, not just theoretical maximums.

📊

Cross-Tool Personalization

Logged-in users save spend profiles, custom currency valuations, and personal benefit values that apply automatically across every calculator on the site. Set your assumptions once; they propagate everywhere.

Built for the Points Hobbyist

The Point Calculator was designed to bridge the gap between complex spreadsheets and simple intuition. By combining the Best Credit Card Finder, Points & Miles Value Calculator, Transfer Calculator, and CardSnapshot Tool, we give you the tools to make "pro-level" rewards decisions in seconds.

Frequently asked questions

What is The Point Calculator?

The Point Calculator is a free suite of credit card and rewards calculators covering 400+ credit cards and 170+ loyalty programs across the United States, United Kingdom, Canada, and Australia. 

The suite includes the Best Credit Card Finder, Credit Card Rewards Calculator, Points & Miles Value Calculator, Transfer Calculator, and other tools — all in regional editions with local currency, regional cards, and region-specific transfer partners.

Which regions does The Point Calculator support?

The Point Calculator operates four regional editions: the United States (USD), Canada (CAD), the United Kingdom (GBP), and Australia (AUD). 

Each edition has its own credit cards, loyalty programs, transfer partners, and valuations. Cards and programs are not duplicated across regions — the US edition shows US cards, the UK edition shows UK cards, and so on.

Is The Point Calculator free?

Yes. All calculators are free to use without an account. 

A free account adds extra functionality: save and share card setups via the CardSnapshot Tool, build a reusable spend profile so you don't have to re-enter your spending across each calculator, set your own valuations for points and miles, and assign personal values to card benefits — all of which are then applied automatically across the site's calculators.

How does The Point Calculator value points and miles?

Point and mile valuations are derived from real-world redemption examples across every redemption type tracked for each program — flights, hotel stays, transfers, statement credits, gift cards, and more. Valuations use a low-to-high range based on multiple realistic scenarios, updated as programs change earning or redemption structures. 

See our methodology page for the full breakdown.

What credit cards does The Point Calculator cover?

The Point Calculator covers 400+ credit cards across the four regions: 200+ US cards (Chase, American Express, Capital One, Citi, Bank of America, Wells Fargo, Discover, US Bank, plus smaller issuers), 100+ Canadian cards (AMEX Canada, BMO, TD Bank, Scotiabank and more), top UK cards (Barclaycard, American Express UK, HSBC, and more), and top Australian cards (Westpac, ANZ, CommBank, NAB, American Express Australia, and more).

How is The Point Calculator different from other rewards sites?

Most rewards sites give you one valuation number per program based on the publisher's own assumptions. The Point Calculator is built around personalization: logged-in users set their own currency valuations, define how much each card benefit is worth to them personally, and save spend profiles that apply automatically to every calculator. 

Results reflect your situation, not site-wide averages.

How do I get started?

Pick your region from the selector above (US, Canada, UK, or Australia) to access the full suite of regional calculators, top credit cards, and loyalty program guides. 

Each regional edition has its own homepage with featured tools, top combos, and program-specific resources.