THE POINT CALCULATOR
Welcome to The Point Calculator website where calculating points, miles, and cash back are done with ease. This site features over 170 different credit card reward calculators and allows you to calculate the cash value of cards based off of:
- The Amount YOU Spend
- How Much Each Card Benefit Is Worth To You
- Elite Status and Membership Bonuses
- Fees That Come With The Card
You can read up on how points, miles, and cash back work with different reward programs including airlines, hotels, retail stores, and much more. Each loyalty program features different calculators that assist with calculating:
- Rewards Earned Through Elite Status
- The Cash Value of Rewards Based On How They Are Redeemed
- The Transfer of Rewards To and From Programs
If you are looking for a ways to calculate your rewards, we probably have it. And if we're missing one of your favorite reward credit cards or a card you've been eyeing, let us know on social media and we will be sure to add it. Happy Calculating!
Credit Card Cash Value Calculators
The main purpose of this site is to calculate how many points, miles, or cash back you can earn with different credit cards. Each credit card page features details on bonus categories, perks & benefits, the sign up bonus, and fees. Each page also features it's own rewards calculator which allows you to specify how much the rewards are worth to you, enter how much you spend in each category, and give a cash value to benefits on the card. The calculator then factors in the annual fee and authorized user fee (if applicable) and gives you the cash value of the card based on how you will use it. You can then compare any card side by side based on the same (or different!) spend to see which card earns you the most rewards and best bang for your buck per $1 spent. Advanced features include factoring in elite status with your favorite hotels or calculating points as if you're transferring them to partners.
Search For Credit Cards and Calculate The Cash Value: Best Credit Card Search Tool
Credit Card Comparison Tool
The Credit Card Comparison Tool allows you to compare groups of credit cards side by side based on spend, how much you value card perks and benefits, and fees. It operates just like the credit card cash value calculators but on a bigger scale. If you ever wanted to see if group A of cards is better than group B of cards, this is the tool you've been wishing for. Set sign up bonuses, toggle fees, and specify authorized users. Add spend for over 120 different categories. For rewards programs that allow you to transfer points, you can even view the rewards as if you transferred them to partners.
Compare Groups of Credit Cards Side-By-Side: Credit Card Comparison Tool
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Loyalty/Reward Program Calculators
Want to know how much your points and miles are worth when redeemed for reward A? How about reward B, C, and D? We know the best value usually comes from travel redemptions, but we also cover gift cards, donating to charity, statement credits, and those strange redemptions that no one talks about. Because maybe you want to redeem your rewards for a ticket to your favorite Broadway show or save enough miles for a chance to go to space (yes that exists). Your rewards are for you to use and knowing what you can redeem your hard earned rewards for and the cash value you can get for them is important. Learn how to earn rewards, the cash value of those rewards based on redemption, and calculate the transfer of rewards to partners (if applicable). You can click on any of the links below to get a list of programs we cover in that particular category.
Articles and Comparisons
Below are a few useful guides and articles. I also cover some of the more common credit card comparisons in-depth through write-up and on our YouTube Channel. Be sure to help the us out by subscribing when you get a chance!
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.
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.
You can filter the results with the options listed below. These filters update in real time.
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.
- 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 Reward 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.
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!
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.