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


Calculate The Value Of Points and Miles

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The Point Calculator is designed to help you calculate reward points, miles, and cash back earned from credit cards based on your spending. This site features almost 200 different credit card reward calculators to help you find the best card based off of the perks, benefits, and rewards that you like. These calculators allow you to enter spend (monthly, quarterly, or yearly) for 100+ categories, toggle annual fees, apply the amount of authorized users, enter sign up bonuses, toggle point and mile values, and much more. These calculators also feature easy side-by-side credit card comparisons so you know which card earns you the best rewards based off your spend. If you own one credit card or several credit cards, these calculators can assist you in making sure you're getting the most out of your rewards.

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Find The Best Credit Cards

The best credit for everyone else will not necessarily be the best credit card for you. The best credit card for you need to fit your spending style, have the benefits and perks you care about, and have redeemable rewards that you want. If you're not a world traveler, then Global Entry and TSA PreCheck will not mean much to you. Maybe you do not care about that $300 airline travel credit or that you can transfer points to Airline A and get 9 cent per dollar. Maybe you want to redeem all of your rewards for gift cards, magazines, and statement credits. Travel is great and I redeem most of my rewards for travel, but that doesn't mean they everyone needs to do the same.

The Reward Point Calculators on this site will let you adjust the value of perks and benefits with certain cards. Don't care for that $200 travel credit? Set it to zero. Now the card fits the critiera you're looking for and probably doesn't look as enticing. Want to redeem your points for gift cards and not for travel? Adjust the point value to reflect the redemption value for gift cards. Compare cards side by side within the same reward point calculator or mix and match various cards and find the best credit card combination for your wallet.

Points & Miles Value

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 values reasonable. I'm not here to tell you to use your rewards for travel only. While I will still make suggestions on the best return and provide tips on the best way to use rewards, in the end they are your rewards to use and you should use them the way that benefits you the most!

Customizable Calculators

The calculators on this site are fully customizable. You can toggle fees, add and remove categories, change point/mile values, compare credit cards side-by-side, and more. I'll generally provide point and mile values which are lower than the norm as explained above, but you have the ability to change the value if they're worth more or less to you. While some pages do touch on the value of points based on redemption, 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 sites like The Points Guy, Upgraded Points, and Doctor of Credit which will give you a better idea of how to use rewards. Once you figure out how much you value a certain point or mile, plug it into our calculators, compare it against other credit cards you're considering, and find the best reward card for your spend style!

Types of Calculators

The types of calculators you will find on this site

I 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 yours missing. You can always contact me on any of the social networks and let me know if you have a request for a card or feature to be added. I'm open to all ideas!

Credit Card Calculator

Every credit card page features a point, mile, or cash back calculator that will calculate the total amount of rewards you can earn based on the spend amounts you enter and how much each benefit is worth to you. The calculator will then factor in the annual fee and authorized user fee (if applicable) and generate the cash value of the card based on how you will use it. Each credit card calculator also allows you to compare any credit card side by side!

Redemption Calculator

Redemption Calculators will calculate any amount of points and miles to dollars for each redemption. This includes airfare, hotel reward nights, gift cards, memberships, and various other things you can redeem points and miles for. These are found on Loyalty/Reward Program Pages and a select few credit card pages.

Conversion Calculator

Conversion Calculators will convert any amount of points or miles you enter to partner programs based on the transfer ratio. Calculate the conversion of Points to Miles, Miles to Points, or Miles/Points to Cash. This feature is found on all featured Loyalty/Reward Program Pages.

Loyalty Program Calculators

Loyalty Program Calculators will calculate how many miles or points you can earn in certain reward programs based on your tier/status. For example, if you spent $1,000 at Hilton Hotels, the calculator will calculate how many points you will make as a Hilton Honors, Silver, Gold, and Diamond Member. This feature is 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. For example, if you have a redemption that costs 34,234 miles or points and the item normally costs $422, this calculator will calculate that particular redemption as giving your miles or points a value of 1.2 cents each. These calculators also support Points + Cash and Miles + Cash redemptions. This is featured on all Loyalty/Reward Program Pages, but it also has its own page if you need to do a quick calculation: 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 have their own specific cash back calculators. If you just want to calculate general cash back, I 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%. If you find a card that offers 1000% cash back, please let me know!

Credit Card Comparison Tool

Compare any two groups of credit cards side by side!

Are you trying to find the best combination of credit cards based on your spend and how you plan on using them? The Credit Card Comparison Tool will compare any two groups of credit cards side by side. Mix and match different combinations of credit cards and put them head-to-head against each other to see which will earn you the most cash back. Toggle fees, add authorized users, add/remove bonus categories, include sign up bonuses, and more.

Loyalty/Reward Programs

A full list of loyalty and reward programs that I 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


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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
Best Buy Rewards 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
JCP Reward Points
Lowes Business Rewards 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
USAA Rewards Points
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!

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.

2018 The Point Calculator and its logo is copyrighted and owned by RF3 LLC. All Rights Reserved.