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

The Point Calculator

Your #1 source for calculating credit card points, miles, and cash back, transferring points between reward programs, and comparing 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.

Credit Card Rewards Calculators

Use the Credit Card Rewards Calculators to calculate how many points, miles or cash back you can earn based on your monthly or yearly spend. Each calculator will also calculate the cash value of the card based on the value of those earned rewards, how much each card benefit is worth to you, and the annual fee. You can then compare the results side by side with 200+ cards.

Any spend that you enter into a credit card point calculator will carry over to all credit card calculators on the site. So no need to re-enter any information.


Credit Card Comparison Tool

Want to know whether one group of cards is better than another based on your travel preferences? Compare groups of credit cards side by side based on monthly/yearly spend, how much you value the card benefits, and the annual fees with the Credit Card Comparison Tool. You can even set rewards to reflect the ratio of transfer partners.


Transfer Partner Calculators

If you want to know everything there is about transferring points between programs, we have the calculators to help with that. The Transfer Partner Calculators calculate the transfer of points to and from airlines, hotels, car rentals, rails, and bank rewards programs. Most of the calculators also display the list of transfer partner credit cards with each card showing the earning rates and standard sign up bonuses based off the transfer ratio. This helps you find the best credit cards for those looking to transfer points between loyalty programs.


Points & Miles Cash Value

Points and miles earned through various rewards programs has different values depending on how you redeem them. Get the list of how much I average points and miles at across 75+ rewards programs. This page also features the Points and Miles Cash Value Calculator which allows you to calculate how much your rewards are worth based on the cost in cash and the cost in points/miles. The calculator also works for miles/points+cash redemptions.




In-Depth Credit Card Comparisons

Get the details on side-by-side comparisons of top rewards cards as well as requested comparisons from site users and YouTube subscribers. I break down the bonus categories, perks & benefits, standard sign up bonuses, and fees. The comparisons featured in these calculators are already set up. All you have to do is enter your spend, adjust the cash value of perks, and you're on your way. You can find more comparisons on The Point Calculator YouTube Channel and be sure to subscribe!


Buy Points and Miles

Are you a few miles or points short of an award? Need to top of your account with a few extra rewards? Check out our guide on buying points and miles get the details on when it's a good idea to do so. I also list most of the major programs that allow you to buy rewards, how much they cost (standard), and any promotions going on.


The Point Calculator

Get the scoop on how I dived into the worlds of points and miles, learn a little about the website, and get some details on The Point Calculator himself.


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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.