Bank Rewards Points
Calculators for earning, redeeming, transferring, and calculating the cash value of points earned with bank rewards programs.
Bank programs offers great opportunities to earn rewards on everyday spend. These programs aren't associated with any particular airline or hotel program. Instead, they are offered directly through the bank. You'll also want to note that there are two types of bank rewards programs. Those that allow you to transfer points to partners and those that don't. The more popular programs are of course the ones that allow you to transfer points to airline miles and hotel points. The ones that don't allow you to transfer are still great programs, but more-so just glorified cash back programs.
Bank Rewards Programs
When you're diving into bank rewards programs, there's two different types of programs. Bank programs which allows you to transfer the rewards you earn to other programs as well as redeem them through the bank and programs which only allows you to redeem rewards through the bank.
There are four major programs that allow you to transfer points to airlines and hotels programs. This is addition to being able to redeem points directly with the bank for travel, statement credits, gift cards, and more. The reason these type of bank rewards programs are popular is because it gives you more flexibility when it comes to redeeming your points. Being able to turn your points into miles or hotel points can be very useful. You can earn more miles and hotel points using bank rewards cards than you can with the actual airline and hotel credit cards.
Outside of the major four programs that allow you to transfer points, the other bank reward programs allow you to earn points that are redeemable directly through the bank itself. Unlike cash back which always has a redemption value of 1 cent for 1 cent, points earned in bank reward programs can be worth more or less than 1 cent depending on the program and the redemption. Programs in which points are always worth one cent are just cash back programs disguised as 'point' programs. For example, the Discover IT Miles Card earns 1.5 'miles' per $1 spent. Discover Miles are worth 1 cents each, so it's basically a 1.5% cash back card being advertised as a 'miles' card. This doesn't mean that these cards are bad options. There are tons of bank reward programs with non-transferable points that are pretty good. It all comes down to your spend habits and whether or not the program is a good fit!
List of Programs
You can click on any of the bank rewards programs listed below to learn more about them. Most pages feature details on earning, redeeming, transferring points to other programs, and the credit cards associated with each program. For the credit cards that are part of bank rewards programs that transfer to partners, you're able to change the currency to reflect a transfer partners. So if you want to know how many JetBlue Miles per month based on your spend across the Chase Sapphire Reserve versus the Citi Premier, you can do that!
|Bank Rewards Programs: Transferable|
|American Express Membership Rewards||AMEX Points Calculators|
|Capital One Venture/Spark Rewards||Capital One Miles Calculators|
|Chase Ultimate Rewards||Chase Points Calculators|
|Citi ThankYou Rewards||Citi Points Calculators|
|Bank Rewards Programs: Non-Transferable|
|Bank of America Travel Rewards||Travel Rewards Points Calculators|
|Discover Miles||Discover IT Miles Calculators|
|PayPal Rewards||Paypal Points Calculators|
|PenFed Rewards||PenFed Points Calculators|
|PNC Rewards||PNC Rewards Calculators|
|U.S. Bank Rewards||FlexPerks and Altitude Rewards Calculators|
|Wells Fargo Go Far Rewards||Go Far Rewards Calculators|
|AIR MILES Canada||AIR Miles Canada Calculators|
|AMEX Membership Rewards Canada||AMEX Canada Points Calculators|
|Barclays Arrival Miles||Arrival Miles Calculators|
Bank Rewards Transfer Partners
Each of the four major bank rewards programs from AMEX, Chase, Citi, and Capital One all feature a different line up of transfer partners. While each of these programs do feature many overlapping partners, there are some partners that are exclusive to one program. If you plan on transferring points to partners, you will want to consider the airline and hotel partners of each program.
Listed below are links to the point transfer calculators for these major programs. Each page features a point transfer calculator that will calculate the transfer of points to airline miles or hotel points. Each page also lists out the alliances of each partner and compares the partners side-by-side the other bank rewards programs and top hotel programs that allow point transfers.
|American Express Membership Rewards||AMEX Transfer Partners|
|Capital One Venture/Spark Rewards||Capital One Transfer Partners|
|Chase Ultimate Rewards||Chase Transfer Partners|
|Citi ThankYou Rewards||Citi Transfer Partners|
Bank Rewards Credit Cards
Listed below are all of the available bank rewards credit cards featured on the site. I consider Bank Rewards Points to be points or miles that can be earned and redeemed directly with the issuing bank. This is programs like American Express Membership Rewards and Bank of America Travel Rewards.
You can click on any of the bank credit cards listed below to learn about the bonus categories, perks & benefits, standard sign up bonus, and fees. Each credit card features it's own rewards calculator which will calculate the total amount of rewards you can earn based on your monthly/yearly spend. Each calculator will also calculate the cash value of the card based on spend, how much each card benefit is worth to you, and the annual fee. You can then compare the results side by side any credit cards. Any spend you enter into the calculator will carry over to all credit card calculators on the site.
= Card not open to new applicants
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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.
The Point Calculator is owned by RF3 LLC. This site is informational and meant to provide help in calculating points with various programs. The owner of this site is not a legal or tax professional and the statements and articles on this site are opinion of the owner and should not be relied upon for individual circumstances.2019 The Point Calculator and its logo is copyrighted and owned by RF3 LLC. All Rights Reserved.