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

The Point Calculator

Your #1 source for calculating points, miles, and cash back, the transfer of points between reward programs, and the cash value of credit cards side-by-side.


Calculate total rewards based on monthly/yearly spend, card benefits, and annual fees. You can then compare the results side by side any credit card. You can also compare groups of credit cards side by side based on spend to find the best combination from your wallet. Calculator options include toggling annual fees on/off, selecting elite status, specify authorized users, adding/removing over 150 categories, and much more. There are over 200 different calculators across this site. If you run into any problems or have any questions, always feel free to reach out to me via social media.

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Search For Credit Cards

Search for credit cards by keyword, spend, bonus category, or transfer partners. Once you find the card you're looking for calculate the cash value of the card based on your monthly/yearly spend, how much each card benefit is worth to you, and the annual fee. You can then compare the results side-by-side 200+ credit cards.

Useful Tools & Guides

The tools and guides listed on this site can assist you with comparing credit cards side-by-side, transferring rewards between programs, and determining the cash value of rewards if you know the cost of your redemption..

Compare groups of credit cards side-by-side.
List of available point transfer calculators which allows you to calculate the transfer of points and miles between rewards programs.
Calculate the cash value of rewards based on cost and learn how much I value points and miles across 70+ programs.
List of rewards programs that allow you to purchase points/miles along with details on cost, min/max amounts, and more.

Best Credit Cards By Category

Get a list of the best credit cards for different categories based on how much you spend per month, quarter, or year in that category. Results feature direct links to credit card rewards calculators which allows you to calculate rewards based on your spend across all categories featured on a card and compare the results side-by-side other cards featured on the site.

best credit cards for dining restaurant
A list of the 50 best credit cards for dining/restaurant purchases based on your spend.
best credit cards for grocery
A list of 50 best credit cards for dining/restaurant purchases based on your spend.
best credit cards for gas
A list of 50 best credit cards for gas station purchases based on your spend.
best credit cards for travel
A list of 50 best credit cards for travel purchases based on your spend.

Best Credit Cards By Airline

Trying to find the best ways to earn lots of airline miles with your favorite frequent flyer programs? Enter your spend across multiple categories to get a list of credit cards that earns you the best average return or the most frequent flyer miles. Transfer partner credit cards are included so you'll know the best rewards programs to go for when building your rewards.

best credit cards for jetblue points
Get a list of the best credit cards for earning JetBlue TrueBlue Points based on your spend.
best credit cards for krisflyer miles
Get a list of the best credit cards for earning Singapore KrisFlyer Miles based on your spend.
best credit cards for delta skymiles
Get a list of the best credit cards for earning Delta SkyMiles based on your spend.
best credit cards for united miles
Get a list of the best credit cards for earning United Miles based on your spend.

Side By Side Comparisons

These side-by-side comparison calculators are already set up for calculate total rewards based on your monthly/yearly spend. These calculators consist of the top rewards cards along with any requests from readers and YouTube subscribers. You'll get a breakdown of bonus categories, card benefits, standard sign up bonuses, and annual fees.

Group Comparisons

Several calculators on the site are designed specifically for comparing groups of credit cards that are in the same family. These calculators allow you to change both columns in the calculator and compare any combination of cards in a family.

Most Popular Credit Cards

If you're not sure where to start, listed below are the most popular credit cards in the market as well as the most popular credit card calculators on the site. Click on any of the credit cards below to learn more about the bonus categories, perks & benefits, standard sign up bonuses, and fees. You can calculate total cash back, points, or miles you can earn and the cash value of the card based on your monthly/yearly spend, how much you value each card benefit, and the fees (annual and authorized user fees). You can then compare the results side-by-side against any credit card on the site. Any spend you enter into the credit card calculators will carry over to every page on the site, so you can jump page to page with no worry!

New To Points & Miles?

If you're new to earning rewards, I recommend reading the two guides below to get started. This will give you the basics of understanding credit and how rewards programs work from my standpoint.

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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.

About This SiteAbout The Staff


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.

2020 The Point Calculator and its logo is copyrighted and owned by RF3 LLC. All Rights Reserved.