The Point Calculator | Points, Miles, Cash Back, and Credit Cards


Calculate The Value Of Points and Miles
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The Point Calculator website was designed to help you calculate reward points, frequent flyer miles, and cash back for various credit cards and reward programs based off your spend. These calculators also provide a cash value for each reward card based off the amount of points earned from your spend and how much each perk and benefit is worth to you. You can use this value to compare the many different cards this site covers. These credit card reward calculators will provide you with an idea of how valuable certain loyalty programs and/or their credit cards are for you. If you own one credit card or several credit cards, this site can assist you in making sure you're getting the most out of your rewards.

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Points & Miles Worth

Details on how I determine how much points and miles are worth on the site.

The calculators on this site will calculate the cash value of various reward points and credit cards based on how much each point or mile is worth. The point values that I use for the calculators on this site are based off the average redemption cost of what the points are meant to be used for. If you're redeeming frequent flyer miles, the value of the miles will reflect the average cost based on flight redemptions. If you're redeeming hotel reward points, my point worth will reflect the average cost of those points when you redeem them for hotel stays. I keep the calculations simple and don't want to have all my point and mile values be based off redemptions that not everyone visiting will care about. This site is not here to tell you that you have to use your points and miles for travel only. While I will still make suggestions and provide tips on the best way to use rewards, in the end... they're your rewards to use and you should be able to use them anyway you like!

The good thing about the calculators on this site is that they're customizable. If you want to bump up the value of Hilton Honor Points from 0.6 cents each to 1 cent each, then you can do that and the calculator will immediately reflect that change. I'll generally provide values in which are higher than the norm, but this site is meant more for calculating and comparing reward programs and credit cards. If you want to know the best ways to use certain types of points and miles, you can check out The Points Guy Monthly Valuations in which he gives you an idea of how much certain points are worth to him. Once you figure out how much you value a certain point or mile, plug it into our calculator(s) and find the best reward card for your spend!

Types of Calculators

The types of calculators you will find on this site

We have a good amount of calculators on this website ranging from reward point calculators to point transfer calculators. Below are a list of calculators this site covers and where they are generally located. New calculators are added just about everyday so be sure to check back occasionally if there's a favorite card of your missing. You can always contact me on any of the social networks and let me know if you have a request for a card to be added!

Credit Card Calculator

The Credit Card Calculators will calculate the dollar value of the credit card page you're on. It will calculate the amount of points, miles or cash back you can earn based on the spend you enter (by month or year), add any kind of card bonuses such as membership bonuses, sign up bonuses, spend bonuses, add how much you value each benefit the card has, and subtract the annual fee and authorized user fee (if applicable) to let you know how much the card is worth based on how you will utilize it. Available For All Credit Cards Listed Under Card Search.

Redemption Calculator

Redemption Calculators will calculate any amount of points and miles to dollars for each redemption. This usually includes award travel such as airfare and free hotel nights, gift cards, memberships, and various other things you can redeem points and miles for. Found On Loyalty/Reward Program Pages and a select few credit card pages.

Conversion Calculator

Point and Mile Conversion Calculators will convert any amount of rewards you enter to partner programs based on the transfer ratio. These calculators will handle Points to Miles and Miles to Points conversions. Conversion calculators will also convert credit card points to miles. Found On Loyalty/Reward Program Pages.

Loyalty Program Calculators

Loyalty Program Calculators will calculate how many miles and points you can earn in certain reward programs based on your tier/status. For example, if you spent X bucks with Program A, the calculator will show you how many points you will make at Tier A, B, C, and onward based on that spend. Found On Loyalty/Reward Program Pages.

Point and Mile Value Calculators

Point and Mile Value Calculators will calculate the 'per cent' value of reward points and frequent flyer miles. If you have a redemption that costs 34,234 miles or points and the item normally costs $422, this calculator will let you know that that particular redemption will give your miles or points a value of 1.2 cents each. These calculators also support Points + Cash and Miles + Cash redemptions. Found on ALL Loyalty/Reward Program Pages, but it also has its own page to bookmark: Points and Miles Value Calculator

Cash Back Calculators

Cash back calculators will calculate any amount of cash back based on the spend you enter. All cash back credit cards featured on this site has their own specific cash back calculators. If you just want to calculate general cash back, we have a 1% Cash Back Calculator, 1.5% Cash Back Calculator, and Any Percent Cash Back Calculator. The Any Percent cash back calculator will calculate any percent you specify between 0.01% to 1000%.

Loyalty/Reward Programs

A full list of loyalty and reward programs that we cover in detail. These pages features additional info and calculators.

The following travel programs are covered in detail. These program pages feature a breakdown of the program including Membership/Tier levels and the qualifications, how to earn points with partners, details on all credit cards associated with the program, point transfer/converter calculators, point/mile redemption calculators, and much more. If you're trying to learn the details of a program, these pages can help!

Search All Credit Cards

Search for the reward card of your dreams.

All the reward cards listed below are covered on the site. Search by card name or by bonus categories. Specify how much you're willing to pay when it comes to annual fees, if you're looking for personal or business cards, the type of rewards you're looking for, and even include/exclude certain networks. Click on the credit card image if you want to open the card in new tab so you can preserve your search criteria. Clicking on the page title will open the card details in the same window.

Card Name


Annual Fee Between

Annual Fee

Fee Options


Reward Type


Reset Search Criteria

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Available Cards

AAdvantage Miles
AEO Points
Aeromexico Miles
Altitude Points
Amtrak Guest Rewards
Apple Reward Points
Arrival Points
Asiana Miles
Athleta Points
BN Points
Carnival FunPoints
Cash Back
Choice Points
Delta Skymiles
Discover Miles
Flying Club Miles
Free Spirit Miles
Frontier Miles
HAL Points
Hawaiian Miles
Hilton Honors Points
Hyatt Points
IHG Reward Points
Marriott Rewards Points
Membership Rewards Points
MM Award Miles
Multiplus Points
myAllegiant Miles
MyCruise Points
PCL Points
PenFed Points
PNC Miles
PNC Points
Radisson Reward Points
Rapid Rewards Points
Star Reward Points
ThankYou Points
Travel Rewards Points
TravelBank Cash
TrueBlue Points
Ultimate Rewards Points
United Miles
Wyndham Points

Contact The Point Calculator

Contact us on any of the social network sites.

The Point Calculator hangs out on all of the cool websites.


Follow The Point Calculator on Facebook to keep up to date with page updates, new calculators, new reward programs, and more. If it's about the site, it will be posted on the Facebook Page. This is also the easiest way to get in contact with us if you have a question, concern, or suggestion!


Follow @PointCalculator on Twitter. Similar to Facebook, you'll see tweets about page updates, calculators, reward programs and more. You'll also get a few pictures occasionally as well as during my travels around the world!


If you're not one for site updates, follow TPC on Instagram! Pictures from my travels are posted frequently and, to my knowledge, I take some of the best pictures if I don't say so myself.

My Twitter

If you're just looking to follow me and my personal shenanigans, my twitter account is also available to follow at @ItsRobbTheThird. Travel stuff, work, video games, and other random tidbits of my daily life.

...All In All

Hopefully you're able to get some assistance out of this site. I started building it March of 2017 and the design of it has changed more times than I can count. I've poured countless hours into this site and enjoy working on it in my spare time when I'm not traveling. To be honest, I work on it when I'm traveling too. As stated above, if you have any questions or just want to chat, you can find me on all the social networks above. Happy Calculating!

Search The Point Calculator Website

Type in a credit card name, reward program, category, benefit, or anything else reward related to get a list of matching pages for this site.

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: Advertistements 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. They are not meant to refelct the exact amount of points you will receive based on the results these calculators provide. Reward programs for any of the companies listed on this site may change at any time. Be sure to read the terms and conditions before you apply for any cards as benefits/perks 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.
2018 The Point Calculator and its logo is copyrighted and owned by RF3 LLC. All Rights Reserved.