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

THE POINT CALCULATOR

Calculate The Value Of Points and Miles

The Point Calculator was created 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.

Find Cards Tailored To You

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 criteria 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.

Point & Mile Values

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!

Cash Back Calculators

Every credit card that earns cash back has its own calculator. In addition to this I feature several general cash back calculators which includes 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

The Credit Card Comparison Tool allows you to 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 comparing bonus categories, perks & benefits, fees, and more to see which group gets you the best return per $1 spent. Toggle fees, specify authorized users, add/remove bonus categories, include sign up bonuses, and even toggle elite status in different programs.

Use the Credit Card Comparison Tool to mix and match cards to find the best combination!

Reward/Loyalty Programs

The loyalty programs listed below are covered in full in-depth detail. These pages feature a breakdown of the program including Membership/Tier levels and the qualifications, how to earn points flying, staying, and with partners, details on all credit cards associated with the program, point to mile transfer and point conversion calculators, point/mile cash value redemption calculators, and much more.

The Best Credit Card Search Tool

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

Search Results

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Social Networks

Missing your favorite rewards card? Something not adding up right? Want to suggest a feature? Send me a message on any of the social network programs below and let me know!

to keep up to date with page updates, new calculators, new reward programs, and more.

. Similar to Facebook, you'll see tweets about page updates, calculators, reward programs and more.

If you're not one for site updates, . 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.

! Watch me compare some of the top cards side by side and go over the details of which one puts you ahead.

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 me and my travels. Happy Calculating!

Site Search

Type in a credit card name, reward program, bonus category, benefit, or anything else to get a list of matching pages. You can type in things such as Global Entry, Membership Reward Points, Chase Sapphire Reserve and even categories such as Office Supply Stores or Restaurants.

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.

2019 The Point Calculator and its logo is copyrighted and owned by RF3 LLC. All Rights Reserved.