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.


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 and Guides

Listed below are popular tools and guides available on the site. They can assist you with comparing credit cards side-by-side, transferring rewards between programs, and determining the cash value of rewards based on 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.

Side-By-Side Comparison Calculators

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.




New To Points and 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.


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.