The Credit Card Comparison Tool | The Point Calculator

Credit Card Side By Side Comparison Tool

By The Point Calculator
Version 2.0 | Last Updated 12/03/18
Jump To Comparison Calculator
This calculator will soon be upgraded to version 3. This will include several updates that will put it on the same easy-to-use level as the other calculators on this site.

It can sometimes be challenging to figure out if your credit cards are working for you or against you. There's special benefits, spending goals, sign up bonuses, and fees that all come into play when it comes to finding out if a card is worth keeping. That where this tool comes in handy. The Credit Card Comparison Tool is a fully interactive calculator that lets you compare credit cards side-by-side based on your spend, fees, authorized users, bonuses, and more. Change point values, add and remove categories, put in your category spend by month or year, choose what cards you'll use for certain categories, and more. If you're trying to come up with the best combination of cards or you want to see how much value you're getting out of the cards in your wallet, this credit card comparison tool will do the job.

Using This Calculator

This calculator can be used to compare any amount of credit cards that we feature on this site. Compare travel credit cards against cash back cards, hotel cards against airline cards, and any other combination you can come up with. Don't let others make the decision on which credit card is the best for you. Find out yourself by configuring the calculator to how you will use them. Below are the current features of this calculator.

Choose Cards

When you first select a credit card, you have the option to add it to group 1, group 2, or both. You can also, where applicable, toggle the annual fee, input how many authorized users you will have, enter any extra cash value, and enter a sign up bonus. Once you hit add, the card will be put in the selected group(s) and you will then be able to continue customization as explained below.

Added Cards

This will list the cards you have added to Group 1 and Group 2. Beside each card will show the annual fee amount, the authorized user cost, the extra value amount, and whether not a sign up bonus was entered. The values will only show if they were selected when you added the card. You can edit any of these fields by clicking on the card. This will only change the amount for that specific group. You will also have the option to remove the card from the edit menu.

Point/Mile Value

This section will let you customize how much each point or mile is worth to you. The default values that are populated when you select the card are my own values based off easy redemptions. If you value the points/miles higher or lower, you can click on a value and change it. When you're comparing credit cards side by side, knowing how much each point/mile is worth to you is very important. Do note that you will not be able to change the value of cash back since one cent is worth one cent no matter how you spend the penny.

Membership

If a card comes with elite status or some type of membership, it will be listed here. This is mostly tied to hotel status at the moment, but will expand to include other options as time goes on and more cards are added. Select a status and see how big of an impact it can make when comparing groups of reward cards.

Categories

One of the most important parts of finding the best credit card is how much it will reward you back in points, miles, or cash back. This section lets you enter your spend per month/year for any category and select which card you will use for that category. When selecting a card, it will let you know which card will earn you the most rewards (in cash) so that you pick the best card for the job.

Point/Mile Bonuses

This will list bonuses that focus on points and miles earned after certain requirements have been met. This can be for spend bonuses, credit card renewal bonuses, and much more. These bonuses will usually be tied to a certain category or membership status.

Subtotal

This will list the total amount of points, miles, or cash back you have accumulated with each credit card for the respective groups. It will also list the cash value of those points based on the value entered in the 'Point/Mile Value' section. This total will also consist of the sign up bonus if one was entered.

Monetary Perks

This section will consist of any cash bonuses, perks, and benefits associated with the cards selected. You will be able to select assign a cash value to certain benefits. If you think a free award night is worth $80, you can change it to reflect that cash value. Already have Global Entry through another card? Set it to a value of $0. Only plan on using $50 out of that $100 airline or travel credit? Set it to reflect that. Just click the bonus and adjust the value. Do note that not all bonuses will be adjustable. Some bonuses will change based on card selection and spend in certain categories.

Extra Worth & Fees

This will consist of the sum of each cards annual fee, authorized user fee, and the extra value amount you entered when you added the card. The sum of all of these fees (or credits) will then be displayed at the bottom of for each group.

Total Value

This is the most important part of the calculator. It displays which group of credit cards earns you the best value. This takes into account all earnings, bonuses, and fees.

Credit Card Comparison Tool

Use the Credit Card Comparison Tool to compare credit cards side by side. Find the best travel card, business card, cash back card, airline card, and any other type of card easily by making sure it earns you the best bang for your buck. Happy Calculating!

Known Errors/Bugs

Choose Cards

Choose a card from the dropdown list. Use the Keywords field to filter the options in the dropdown. Type in a card name, issuer, point/currency name, holder or card type. The more specific, the shorter the list.

Keyword(s):
Card List:

Add Card To

F Annual Fee

-

AU Authorized User Fee

-
$0

EV Extra Cash Value

Use this field to enter a cash amount. This can be used for cash bonuses (aside from the sign up bonus), the value of unaccounted for perks and benefits, or to alter the fee.
Cash ($ USD)

SUB Sign Up Bonus

Enter the value of the current sign up bonus if you wish to include it.
Added Cards

This is the list of cards you have added to Group 1 and Group 2. You can click on any of these cards to edit their fees, extra value, and sign up bonus. You can also remove the card as well.

Group 1
Group 2
Point/Mile Values

This is the list of different miles, point, and cash back types associated with the cards chosen above. The number shown is the value of that currency in cents per single unit. Click on any of these to change the point value. The value of Cash Back cannot be changed.

Group 1
Group 2
Memberships

Elite status, memberships, and any other bonuses similar to having status with a program will go here. Memberships will add themselves here based on certain cards or categories.

Group 1
Group 2
Categories

Enter your spend per month/year to see how many points you will earn in that category with the selected card. You can add and remove categories as well as change the credit card used for each category by clicking on 'Select a Card'. Use the Quick Set feature to set multiple categories at once for a group.

Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Group 1
Group 2
Point/Mile Bonuses

Bonus points and miles associated with the selected cards. This consists of spend bonuses, renewal bonuses, and more.

Group 1
Group 2
Subtotal

This is the grand total of all points accumulated through spend and bonuses. This amount also contains any entered sign up bonus SUB.

Group 1
Group 2
Subtotal
$0
$0
Monetary Perks

Total cash bonuses associated with the selected cards. This includes sign up bonuses, spend bonuses, and even bonus bonuses.

Group 1
Group 2
Extra Worth & Fees

This is the total cost between the annual fee F and authorized user fee AU. If you entered any Extra Value EV, this will be added to the fees.

Group 1
Group 2
Total Value

This the total value of all the cards in the selected group. This is the sum of the subtotal cash value, monetary perks the annual fees.

Group 1
Group 2
Grand Total
$0
$0
Double Dip! Use Ebates to earn hundreds in cash back on top of the rewards you would normally earn on hotels, car rentals, airfare, and online shopping. Sign up for Ebates before your next online purchase!

Editorial Note: All opinions expressed on this site are my own and not those of any bank, rental car company, credit card issuer, hotel company, or any entity mentioned herein. Opinions, calculators, and other editorial content on this page have not been approved or endorsed by any entities on this site.

Advertiser Disclosure: Advertisements are listed throughout this site. I may be compensated if you choose to use any of the links when signing up or applying for various products. You can view the details of that on our Private Policy page.

About These Calculators: These calculators are provided to help you estimate how many points, miles, or other form of currency you can accumulate based on spend, bonuses, fees, and a number of other factors. 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.