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

Calculate total rewards and the cash value of over 120 of the top credit cards in Canada based on spend, the value of card benefits, and annual fees. Compare results side by side and find out which credit cards earn you the most rewards and best return.

Calculate Credit Card Rewards

Calculate total rewards and the cash value of over 120 top Canada credit cards based on spend, benefits, and annual fees using our interactive credit card calculators. Enter the name of the card you're looking for in the field below.

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Enjoy Cash Back Rewards Paid Monthly
Earn Unlimited 2% Cash Back Rewards on up to 3 select categories of your choice. No annual fee. Sign up today and earn an extra 15% Back!

Best Credit Cards of 2021 (Plus Calculators!)

If you're looking for the best of the best, get our top picks and calculate which credit cards will earn you the most rewards and the best return based spend, benefits, and annual fees.

Best Travel Credit Cards
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Best Cash Back Credit Cards
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Best No Fee Credit Cards
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Best Credit Cards For Groceries
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Best Credit Cards For Dining
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Best Credit Cards For Gas
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Put together combinations of credit cards and calculate the cash value of the entire combo.
Calculate the average dollar value of airline miles and rewards points earned in rewards programs.

Rewards Programs & Calculators

Get the details on earning, redeeming, and transferring rewards with top loyalty programs around the world. Want to know how much you'll earn on a hotel booking, the average value of the rewards in your account, or how many points you'll end up with after a point transfer? We have calculators for all of that.

Find The Best Credit Cards For You Based On Your Spend

Calculate which rewards credit cards earn you the most rewards and best return based on how much you spend across different categories.

I want to earn:
I'm lookin for a:
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Loading Categories...
Currently Selected:
Type of spend for the selected category.

Enter How Much You Plan On Spending

Enter your spend per month, year, or quarter for the listed categories. You can click 'Add Categories' to add additional spending categories to the calculator.

Income Requirements

Some credit cards require certain income requirements to be met either based on your individual income or the income of the entire household. You can set a max income to limit which cards are listed in the result. Cards that require an income limit over the amount selected will not be included in the results.
Income Type
Income Maximum

Spend Duration

You can set the duration of the spend for the categories listed above. If you're looking for the best card for only n-months worth of spend, this is where you change the option.

If you want to calculate based on a full year of spending, you can leave it set to a duration of '1 Year'.

Adjust Transferable Points

Some rewards programs allow you to transfer your earned points to airline, hotel, and other loyalty programs. These programs will generally have higher point values when doing such.

Since these matter so much when choosing a credit card, you can enter your own point value for these programs to include in the calculations.

When set to zero (0), they will calculate based on The Point Calculator's valuations. Any non-zero value you enter will be used in the calculations.

You can click on the to learn more about the value of the currency when applicable (opens in a new tab/window). Depending on the calculations, all programs listed below may not be featured in the results.

View The Results

Note: Results may take a few seconds to generate after doing a search. The results and values listed are estimates to help guide you towards making the best decision. They are for illustrative purposes only.
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