THE POINT CALCULATOR
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 150 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.
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
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, Ebates, Expedia, and more. Other Travel Programs
Articles and Write Ups
There is also a few other small articles and write-ups on the site. This includes the best cards for various categories, travel tips, and side-by-side in-depth comparisons of credit cards.
Best Card For The Job
Card -vs- Card Comparisons
- AMEX Trifecta vs Chase Trifecta
- Blue Cash Everyday vs Blue Cash Preferred
- Blue Cash Everyday vs Cash Magnet
- AMEX Gold vs Blue Cash Preferred
- Blue Cash Everyday vs Everyday
- Citi Prestige vs Citi Premier
- Citi Prestige vs Chase Sapphire Reserve
- Capital One Venture vs Chase Sapphire Preferred
- AMEX Gold vs Barclays Uber Visa Card
- AMEX Hilton Aspire vs Chase Hyatt Card
- AMEX Gold vs Chase Sapphire Preferred
- AMEX Gold vs Chase Sapphire Reserve
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 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.
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!
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The Point Calculator is now on YouTube! 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!
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.