Best Credit Cards Based On Spend | The Point Calculator

Best Credit Cards For Lists

Lists of best credit cards for different categories and reward types based off of your spend. Compare results side by side. Cards update automatically.

Best Credit Cards By Category

If you're looking for the best credit cards for earning on spend across top categories, the list below has you covered. Each page lists 50 credit cards that offer the best estimated return based off your spend and the average value of the rewards the card offers. You can click on credit cards listed in the results and tweak the calculator to calculate rewards based on your spend across multiple categories, how much you value card perks, and annual fees. You'll also be able to compare the results side by side hundreds of cards.

get best credit cards by spend
Find out which cards earns you the most rewards based on your monthly, yearly, or quarterly spend across different categories.
best credit card for airlines specific
Searching for the best credit card by airline, hotel, or cruise line spend will also show spend specific to co-branded credit cards.

Best Credit Cards By Store/Retailer

Get a list of the 50 best credit cards for specific stores and retailers. Co-branded credit cards will generally appear in these lists if it earns a good enough return. These lists allow you to see how store cards stack up against all other rewards cards when used at a specific retailer. Remember that store cards typically offer additional benefits such as birthday gifts, coupons, special financing and more. You'll want to take that into consideration when calculating the cash value.

Best Credit Cards By Airline

Get a list of the best credit cards for earning airline miles with your favorite frequent flyer programs. Enter your spend across multiple categories and how much you value airline miles to get a list of credit cards with the highest estimated return based on spend, value of rewards, annual credits, and annual fees. Transfer partner credit cards are included in these calculations as well.

You can also use these calculator to calculate which cards earn you the most airline miles based on spend by entering a currency value of 0 (zero).

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Written By: Robert Flowers III

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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.

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