Use The Point Calculator to calculate points, miles, and cash back

Calculate total rewards earned with credit cards based on spend, the transfer of rewards between programs, the cash value of points based on redemption, and much more.
Remove the guess work and find out which cards have a chance to offer you the best return based on your monthly or yearly spend across up to 20 different categories.
Have an idea of what card you're looking for? Search the database by keywords such as card name, rewards program, or network.
Trying to put together the best combination of credit cards the world has ever seen? Build your own groups of credit cards, enter your spend for each card, and compare the results side by side. Mix and match cards from different banks and programs!

The Point Calculator's Top Credit Card Picks

Listed below are a few of my favorite credit cards for earning rewards across everyday spend. If you're looking for somewhere to start, these are great options!

Earns 5X points on grocery and dining purchases, 2X on travel, transit, and gas station purchases, and 1X everywhere else. Points can be redeemed for high value towards travel or be transferred to airline and hotel programs including Air Canada Aeroplan, Delta Airlines, and Marriott Bonvoy.
Earns 5X points on grocery, restaurant, and entertainment purchases, 3X on gas, transit, and streaming services, and 1X on everything else. Benefits include Priority Pass membership, standard AMEX benefits, and great travel/purchase insurance. Points can be redeemed towards travel for a value of 1 cent per point. No Foreign Transaction Fees.
Earns 2% cash back in two categories of your choice and 0.5% back on all other purchases. If you have a Tangerine Savings account, you'll be able to select a third category. Simple and easy cash back card with no annual fee.
Earns 3X points in the CIBC Rewards Centre, 2X on dining, entertainment, transportation, gas station, and grocery purchases, and 1.5X everywhere else. Benefits include a $200 annual travel credit, avis and budget savings, two NEXUS application fee rebates, Visa Infinite Privilege benefits, and much more. Points have high value towards airline redemptions.
Earns 2% cash back on all purchases ran through the card. Benefits include standard AMEX benefits along with travel/purchase insurance.
Earns 1.25X points on the first $75,000 in purchases per calendar year, then 1X for the remainder of the year. Benefits include Petro-Canada savings, Visa Infinite Business benefits, Priority Pass membership, and great travel/purchase insurance.

Rewards Program Calculators

Get the details on earning and redeeming rewards with over 120 different loyalty programs. Calculate total rewards earned with credit cards based on spend, total rewards with loyalty programs based on spend, the transfer of points between programs, the cash value of rewards based on redemption, and much more.

Credit Cards By Bank

Get the list of credit cards covered on this site for each of the banks listed below. Calculate rewards earned with credit cards based on spend, the cash value of rewards based on redemption, the transfer of rewards between programs (if applicable), and much more.

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