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

THE POINT CALCULATOR

Calculate The Value Of Points and Miles

The Point Calculators featured on this site helps you calculate the average cash value of rewards points and miles earned in various programs and with rewards credit cards. You can calculate how many points, miles, or cash back you can earn using credit cards based on your spend, how much each card benefit is worth to you in cash, and the annual fee. There is over 170 credit cards featured on this site. You can jump down to the Best Credit Card Search Tool to search for rewards cards based on your own personal spend, by bonus category, or by keywords such as card name, currency name, and more. Otherwise you can read on to learn more about the tools on this site.

Credit Card Calculators

This site features over 150 different credit cards in which you can calculate the cash value. Enter how much you spend across different categories per month or year and the calculator will output how many miles, points or cash back you will earn. It will add up how much you value the card benefits such as elite status and free nights, subtract the annual fee and authorized user fees if applicable, and output the total rewards and the return per $1 spent on the card. You can also compare another card side by side using the same (or different!) spend. Put credit cards head-to-head against each other and see which earns you the most rewards. You can jump down to the Best Credit Card Search Tool to search for credit cards.

Compare credit cards side-by-side and find the best card based on your spend

Credit Card Comparison Tool

Want to know how one group of cards will do against another group? The Credit Card Comparison Tool lets you compare two groups of credit cards side-by-side based on spend, how much you value each perk, and the fees. If you have a wallet full of cards, you can also enter your cards and see if you have any dead weight pulling from your rewards with their annual fee. The Credit Card Comparison Tool is a work in progress and will have new features rolled out to it over time to help analyze how the cards in your wallet are helping or hurting your return. Credit Card Comparison Tool

Compare groups of credit cards side-by-side

Loyalty/Reward Program Calculators

Several frequent flyer programs, hotel loyalty programs, and bank rewards programs are also covered in detail on this site. You can learn more about earning points with travel partners, transferring points to other rewards programs, and the cash value of rewards based on how you redeem them. You can also learn the qualifications of earning elite status with airline and hotel programs. Want to know the average cash value of the points you have in your account? These pages will calculate that for you.

Airline Frequent Flyer Programs

Get the average cash value of miles earned in popular programs such as American, Delta, and United. Covers all U.S.-based airlines and a few international airlines such as Asiana and Singapore. Includes details on all the ways you can earn miles with each airline including flying partner airlines, booking through travel partners, shopping and dining, transferring rewards to your account from other rewards programs, and using co-branded credit cards. This pages also cover how you can earn elite status in each airline program and the benefits that come with each tier of status. Airline Frequent Flyer Programs

Hotel Loyalty Programs

Learn all the ways you can redeem hotel rewards points with popular programs such as Marriott, Hilton, and IHG. Calculate how many points you can earn based on spend, elite status, and whether or not you use co-branded hotel credit cards. Get the details on how you can qualify for elite status with each hotel chain and the benefits that come with each tier. These pages cover all transfer partners including transferring your hotel points to frequent flyer miles. Hotel Loyalty Programs

Bank Rewards Programs

These are the programs offered directly by banking institutions which includes Chase Ultimate Rewards, AMEX Membership Rewards, Capital One Venture Miles, and several others. Calculate the average cash value of these points based on redeeming them for rewards such as travel, gift cards, and cash back. You can use the credit card calculators to calculate how many points you can earn in each program as well. Point transfer calculators are also available so you can calculate the transfer of your points to airline and hotel programs. Bank Rewards Programs

Cash Back Programs

Cash Back cards are a great choice for those looking to redeemed their rewards for statement credits, gift cards, and cash. It is also good for those who want simplified redemption since you will know up front how much your cash back is worth. You can calculate how much cash back you can make with the cash back calculators after benefits, perks, and fees have been factored in. Cash Back Programs

Store Credit Cards

Store credit cards are great for those who shop a great deal at specific retailers. Most store cards will offer higher returns than normal rewards cards and grant extra benefits such as birthday gifts, bonus points, access to special deals, and more. Just be sure to pay off your store cards because the interest will eat you alive. Store Credit Cards

Other Travel Programs

Other programs consist of cruise line, transportation, rail, and other programs that does not fit in the other categories. This includes Amtrak, Royal Caribbean, Rakuten, Expedia, and more. Other Travel Programs

The Best Credit Card Search Tool

If you're looking for a good rewards credit card, you've come to the right spot. The Best Credit Card Search Tool can search credit cards by keywords, bonus categories, credit card spend, and by currency. Use Search By Keyword to search by credit card name, bank name, the reward currency, loyalty program, and network. Search By Category lets you search credit cards based on over 100 different bonus categories. Search By Spend lets you search for the best credit card based on how much you spend per category. Search By Currency will allow you to search by the rewards currency you're trying to earn. These calculators feature a great deal of customization options. Go ahead and test each them out. Happy Calculating!

Search By Credit Card Spend

This tab lets you search for the best credit card based on how much spend you will run through selected bonus categories. You can add as many categories as you want and can remove them as well. You can use the Filter to toggle options such as networks, card types, fees, and more. Once you hit Find The Best Cards, you will get a list of the best matches based on your spend and the options you selected. Do note that the calculator is based on 2nd year values by default. You can change this option under the Filter.


Personal/Business

Select whether or not you're looking for a personal card, business card, or both.

Network

Select the networks you want to include in the results. Some stores only accept certain network. You will usually see the logo of accepted networks on the windows of some stores or around the cash register. VISA and Mastercard have the most acceptance worldwide. AMEX and Discover aren't as widely accepted. All four networks tend to work great in the United States. Cards with no network can only be used at the store/retailer in which they were applied for.

Card Type

Select which card types you want to include in the results. Airline will consist of co-branded airline cards like Delta and United. Bank will consist of cards that are tied to bank-oriented rewards programs such as Ultimate Rewards Points and Membership Rewards Points. Hotel will consist of co-branded hotel cards like Marriott and Hilton. Store cards will consist of cards tied directly to a store such as the Macy's or Costco. Cash back cards will consist of cards that earn cash back that are not store cards. Other travel consists of categories outside of the ones listed above such as cruise lines, transportation, and online travel agencies.

Year

Select if you're looking for year 1 values or year 2 and onward. If Year 1 is selected, the cards with the annual fee being waived the first year will reflect $0. If Year 2 is selected, all annual fees will be enabled.

Annual Credits

Some rewards cards come with credits that are offered every year you hold the card. Selecting this will include the value of those annual credits in the calculation.

Annual Fee

Choose whether or not you want to include cards that has an annual fee. You can also include the cards that has no annual fee the first year.

Foreign Transaction Fee

Choose whether or not you want to only show the cards that have no foreign transaction fee. Cards with no FTF are the best for international purchases and international travel.

Point Value

My point and mile values reflect using rewards for their primary purpose and does not reflect the value from transferring to travel partners. If you're more aggressive and tend to get the most out of your points you can use The Point Guy's valuations.

Close Filter

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:
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Search By Bonus Categories

This tab allows you to search by credit card bonus category. The cards listed on this site spans over 100 bonus categories in which most are listed below. Checkmark the categories you spend the most in or the categories you're looking for in a rewards card and hit Find Card. You will get a list of credit cards that are ordered by how many categories match what you've selected. You will also be able to filter cards by personal/business cards, card network, card type, and issuing bank.

Add/Remove Categories
Currently Selected:

You can filter the results with the options listed below. These filters update in real time.

Personal/Business

Toggle whether or not you want personal and/or business cards listed in the results.

Network

Toggle the card networks you want displayed in the results. VISA and Mastercard are generally accepted worldwide while AMEX and Discover tend to not be. All four networks are great within the United States.

Card Type

Toggle the type of cards you want displayed in the results. Airline will consist of co-branded airline cards like Delta and United. Bank will consist of cards that are tied to bank-oriented rewards programs such as Ultimate Rewards Points and Membership Rewards Points. Hotel will consist of co-branded hotel cards like Marriott and Hilton. Store cards will consist of cards tied directly to a store such as the Macy's or Costco. Cash back cards will consist of cards that earn cash back that are not store cards. Other travel consists of categories outside of the ones listed above such as cruise lines, transportation, and online travel agencies.

Search By Keyword

This tab lets you search for credit card by keyword. You can type in a credit card name, bank name, card network, or reward program. This is useful if you're looking for cards with a specific bank or part of a specific loyalty program. You can enter in keywords separated by spaces. You can also put a minus '-' in front of keyword to excluded it from the results. So a keyword of '-VISA' will remove all cards that are part of the VISA network.

Once you get your results, you can click on the card name to learn more details about the card including a breakdown of the bonus categories, perks & benefits of the card, information on the standard sign up bonus, and fees. You can also calculate the dollar value of each credit card using the Card Value Calculator located on each page. All results open in a new tab.

You Can Search By:
  • Card Name (e.g. Quicksilver, Sapphire Reserve)
  • Currency (e.g. Membership Rewards Points, Cash Back)
  • Bank Name (e.g. Chase, AMEX, U.S. Bank)
  • Network (e.g. VISA, DISCOVER, AMEX)
  • Program (e.g. Delta Airlines, Marriott Hotels)

Search By Currency

This tab allows you to find reward credit cards that earns the rewards currency that you select. For example, if you select Delta Skymiles and hit search, this calculator will list out all of the cards that earn Skymiles directly as well as all of the cards that is tied to a program that transfers to the Skymiles program. Earnings per category will be listed as if points and miles were transferred to the selected program.

The number in parenthesis represents the number of rewards programs that are a direct transfer partner of the selected program. Do note that this is a growing list and that not all partners may be listed.

Currency

I'm looking for cards that can earn rewards with:

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Message From Me

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. Actually... 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. You can also jump over to the About This Site to learn more about the site jump to About Me to learn about... well... me! Happy Calculating!

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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.

Advertiser Disclosure: Advertisements are listed throughout this site. I may be compensated if you choose to use any of the links on this page. This includes, but is not limited to, making purchases, signing up for programs, and applying for credit cards. You can view the details of that on our Advertising Policy page.

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.