The Credit Card Comparison Tool

Credit Card Side By Side Comparison Tool

By The Point Calculator
Version 3.0 | Last Updated 06/09/19
Jump To Comparison Calculator

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 based on how you will use your cards. Below are the current features of this calculator.

Choose Cards

To start, select a card from the list. You can use the keyword box to filter out the cards in the list. Once you select a card, you will be given a few options. You can:

  • Toggle The Annual Fee
  • Specify Number of Authorized Users
  • Specify a Sign Up Bonus
  • Enter Additional Cash Value

From there you can select whether to add it to group 1, group 2, or both. Once you hit add card, it will be placed in the Added Cards section. You can add as many cards as you want to either group.

Added Cards

This will list the cards you have added to Group 1 and Group 2. Underneath each card will show the annual fee amount, the authorized user cost, the extra value amount, and value of the sign up bonus. The values will only show if they were selected when you added the card. You can edit any of these value by clicking on the added card. Do note that this will only change the amount for that card in 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. You can enter your own value or select from a list of average values based on redemption. You can also change the currency to reflect as if you transferred the rewards to a partner. Do note that this will change the earning ratio for the categories and bonuses to reflect the transfer ratio.

Membership and Loyalty

Some cards are allow you to choose your bonus category or give you bonus points based on your status with a program. Those options will be listed in the Membership section. Changing the values in this section may have an impact on the bonus categories and other values, so be sure to note that.

Hotel Loyalty will be added back to the calculator soon!

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 how each card will earn you and the cash value of those rewards. You'll also get notified about category limits as well.

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 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 rewards 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 and 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!

Bugs and Issues

If you find something not calculating right or not working as intended, please let me know via message on Facebook or Twitter. Thanks!

Choose Cards
Select cards from the list below. You can type in a card name, issuer, currency name, holder, or card type in the keyword box below to filter results. Choose which cards you want to add to the left and right columns.
Open up the details of this card in a new tab. Covers bonus categories, perks & benefits, sign up bonus, and fees.

F Annual Fee
-
AU Authorized User Fee
-
$0

SUB Sign Up Bonus
You can use this box to factor in the sign up bonus (SUB). The value entered is the standard bonus, but you can change it if it's higher or lower than this amount.
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)

Add Card To

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
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
Page Last Updated: 2019-06-09

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. You can read our Private Policy to learn more.

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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.