Credit Card Comparison Tool

The Point Calculator
Canada Version

Credit Card Comparison Tool. Compare groups of credit cards side by side based on your spend, the cash value of benefits, annual fees, and much more.


It can sometimes be challenging to figure out if your credit cards are working for you or against you. There's special benefits, spending goals, sign up bonuses, and fees that all come into play when it comes to finding out if a card is worth keeping. That's where this tool comes in handy. The Credit Card Comparison Tool is a fully interactive calculator that lets you compare credit cards side-by-side based on your spend, annual fees and number of authorized users, and various bonuses. Change point values, add and remove categories, put in your category spend by month, quarter, or year, choose what cards you'll use for certain categories, specify point transfer, and more. If you're trying to come up with the best combination of cards or you want to see how much value you're getting out of the cards in your wallet, this credit card comparison tool will do the job.

How To Use The Tool

There's lots of working pieces to the Credit Card Comparison Tool which makes it great for determining whether or not a group of cards is worth picking up. The tool is broken down into multiple parts, so each part of the tool is explained below.

Calculator Options

There's two options listed under Calculator Options which is Add Categories On Card Change and Column 2 Visible.

Add Categories On Card Change

When you add a credit card to any of the calculators on the site, the bonus categories featured on the newly added credit card are added to the Categories section by default. This allows you to easily calculate rewards with the newly added card. Toggling this option Off will stop categories from being added automatically. This allows you to add categories manually.

Column 2 Visible

If you want to just deal with one group of credit cards, you can hide Column 2 altogether which gives you more space to work with.

Select A Credit Card

This is where you will enter in the card(s) you want to add. You'll have to have an idea of which cards you want to add to the calculator. You can type in the name of the card, the rewards program the card is associated with, or the rewards the card earns. You'll get a list of credit cards that match what you type in.

Once you click on the card you're looking for, details of the card will pop up with the options to customize the card before you add it. You'll be able to enter/change:

  • Annual Fee
  • Authorized Users
  • Sign Up Bonus
  • Extra Value

The Annual Fee of the card will be listed by default unless the card is FYF (First Year Free/Waived Fee). You can enter any value for the fee as it's an open number field.

The Auth(orized) Fee box will allow you to enter the number of authorized users if the card has an authorized user fee. Based on the fee and number of users you specify, the cost of adding the users will updated on the right. Adding authorized users is commonly referred to as adding supplementary cards to the account.

The Sign Up Bonus is automatically filled with the standard bonus. Sign up bonuses do change, so if you know the bonus isn't what's listed, you can change it to reflect the current bonus. You can also zero it out altogether if you do not want to include a sign up bonus in the calculations. Also note that sign up bonuses do not calculate automatically based on the requirements to earn the bonus. It's up to you to make sure you've entered enough spend in the calculator to earn the bonus that's entered.

The Extra Cash Value box is just an extra field if you want to give the card some extra value. Maybe the price protection that the card offers is worth $100 to you or you want to enter $200 for that airline card that saves you $50 per round-trip on bags. It's an open number field, so enter any value you want.

select a card comparison tool

Once you've edited the details of the card to your liking, you'll be able to add the card to Group 1 and/or Group 2. You can add the card to whichever group as many times as you want. If you and Player 2 both have Card A or plan on picking up Card A, add Card A to group 1 twice. Duplicate cards are now allowed in the Credit Card Comparison Tool.

Added Cards

The Added Cards section will list all of the cards you've added to Group 1 and Group 2. It will also display several "badges" based on the options you entered before adding the card.

  • F: 200 - This is the annual fee for the added card. So "F: 200" means an annual fee of $200. If the fee is 0, it will show NO FEE
  • AU: 175 - This is the authorizes user fee for the card based on the number of authorized users you entered. So "AU: 175" means an authorized user fee of $175.
  • SUB - This means that a sign up bonus was entered for the card.
  • EV - This means that extra cash value was entered for the card.
added cards comparison tool

You can click on any of the cards to edit the annual fee, authorized user fee, sign up bonus, or extra value you entered. You can then hit update or cancel if you decide you don't want to change anything. The option to remove the card will also be listed. This will take the card out of the calculator for that group and anything assigned to the card in later parts of the calculator will be cleared.

added cards edit options comparison tool

If you have the same card entered multiple times in the same group, it will be displayed with a number behind it. For example, if you added two AMEX Gold Card's you would see:

  • AMEX Gold Card
  • AMEX Gold Card (2)

This is to help you keep track of which cards you're editing and selecting in the calculator.

Currency Worth

This section will list all of the involved rewards currencies (points, miles, and cash back) and an image of the cards associated with each currency. Removing all of the cards associated with a currency will remove that currency from the group.

currency worth section comparison tool

When you click on rewards currency, you'll have two options: View Rewards As... and Cash Value.

View Rewards As...

There are several rewards currencies that allow you to transfer your rewards to other programs. View Rewards As allows you to view a rewards currency as if you transferred it to the selected partner. This is great if you're focused on a specific program and you want to use other cards to help you build your points with that specific program.

view rewards as comparison tool

When you change the View Rewards As option, that currency will change to the selected option throughout the whole category and the values will update. So if I were looking at American Express Membership Rewards Points and changes the View Rewards As option to Hilton Honors Points, it would show all of the Membership Rewards Points credit cards I've added to the group as Hilton Honors Points. Since Membership Rewards Points (U.S. version of the program) transfer at a 1:2 ratio, it would also double the values in all the calculations to match the transfer ratio.

view rewards as amex to hilton comparison tool

Cash Value

This is where you enter the cash value of the currency. This is automatically filled with how much The Point Calculator values the currency (based on USD and converted to EUR/GBP/AUS/CAD as needed). You can change this value to however much you value the currency. Do note that if you change the View Rewards As option, the value box will be updated with how much I value the selected currency.

Do note that I do not have the average values for all currencies. You'll want to double check the value field since some values may display 0 cents.

Loyalty & Memberships

The Loyalty & Memberships section holds... loyalty and memberships!

Loyalty

If you have elite status with a hotel rewards program and you want the points you earn from status to be included in the calculations, you can add Loyalty to Group 1 (G1) or Group 2 (G2). This allows you to compare cards that offer elite status as a benefit to find out if paying the extra annual fee is worth the bonus points you'll receive.

If the hotel rewards program is available, it will be added automatically for co-branded hotel credit cards. For example, if you add a Marriott credit card, the Marriott Bonvoy Loyalty Box will be added automatically. It will also select the appropriate status based on the card you selected if it offers complimentary elite status and it will add the proper category to the categories list.

loyalty elite status comparison tool

The value displayed for loyalty is based on how much spend you enter for the proper categories. For example, loyalty for Marriott Bonvoy will display zero until you enter spend for a Marriott hotel brand. You do not have to select a card in order for loyalty to calculate. This is because points earned from elite status can be earned paying credit, debit, cash, gift cards, and etc. so I see no point in having to be tied to credit card spend.

Loyalty displays the Base Points along with any bonus points you'll earn based on status. Do Note that some chains have brands that do not earn the same amount of base points. The calculator will take this into account.

loyalty elite status comparison tool

For example, most Marriott hotels earn at a base rate of 10 points per $1 spent, but a few earn at 5x and 2.5x per $1 spent. This will be reflected in the calculations.

Another thing to note is that when loyalty is added to a group, it is reflected in the currency worth section is [LOY]. The currency will not delete itself until all cards and loyalty have been removed.

loyalty mark comparison tool

Loyalty will be factored into a cards return under the Grand Total section only if that card is selected as the card used to earn the loyalty rewards.

Memberships

For any cards that require you to make a selection of some sort, that option will be listed under Memberships. The Membership section is automatic so if there's nothing listed, then there's nothing for you to do.

Category Spending

Category spending is the bread and butter of the calculator. There's multiple parts to this section so I'll go through them one by one.

Entering Spend & Selecting Cards

The Category Spending section will list all of the categories that have been added to the calculator either by adding cards or using the Add Categories button. Under each category, the earnings for Group 1 and Group 2 will be displayed. It will show the cash value of earned rewards, the total cash back, points, or miles the selected card earns, how much you're spending on the card per month, quarter, or year, and the card you selected for the category.

category spending select cards comparison tool

When you click on a Group 1 or Group 2 box under a specific category, you'll be able to:

  • Enter your monthly, quarterly, or yearly spend for the category (see more on this below)
  • Copy spend () from one group to the other
  • Toggle on/off the mobile pay option.
  • Select which credit card you will use for that category based on the cards you added to the group.

The values that each listed card earns is updated in real time so you'll see how many rewards you'll earn for a card before you choose one. Once you click on Update, your options will push out to the main calculator.

Changing Spend - timeSelect

The dropdown that defines how often the spend occurs (I call this timeSelect) has several options:

  • -- Full Year --
    • Month - Monthly spend for a full duration of a year split into months.
    • Qtr - Quarterly spend for a full duration of a year split into quarters.
    • Year - Yearly spend for a full duration of a year.
  • By Month, Per Month
    • N-months - Monthly spend for a duration of n-months split into months.
      • So a spend of $500 set to 'By Month, Per Month: 4-Mnth' would translate into '$500 per month for 4 months' which comes out to a total of $2,000 in spend.
  • By Month, Full Time
    • N-months - Total spend for a duration of n-months for the entire period.
      • So a spend of $500 set to 'By Month, Full Time: 4-Mnth' would translate into '$500 total spend in a 4-month period' which comes out to a total of $500 in spend (or $125 per month for 4 months).
category spending enter values comparison tool

Delete Categories

You'll also be able to delete categories from the calculator by clicking on the Remove button. This will delete the category entirely for both Groups. You can always re-add categories using the Add Categories option.

Add Categories

You can click on the Categories button to add new categories to the calculator. You can search for categories by entering either the exact category you're looking for or by entering keywords. For example you can enter 'Delta Airlines' to find Delta Airlines in the list or you can enter airlines if you want a list of all airline categories available. Once you select a category, it will display in the Currently Selected field. You'll also be able to toggle the Mobile Pay option in which you can always change when editing the spend or changing the selected card.

As a side note, how specific you want to be when adding categories is up to you. If a card earns on airline spend, you can find the exact airline(s) you spend with or you can select 'Airfare (General)' if you just want to enter general monthly/quarterly/yearly airline spend.

add categories comparison tool

When selecting a category, you can make it specific to International or Domestic purchases. Some credit cards only offer rewards when spending in the home country while others only grant rewards when spending internationally. If you want to be real specific when it comes to calculating your rewards for domestic and international spend, you can use these options. The General option doesn't take domestic or international into consideration and will display the appropriate multiplier/earnings based on the category alone.

Once you click on Add Category, the category will be added to the list of categories for the calculator.

Order

The order of categories for all the calculators on the site play a role when it comes to calculating total rewards for credit cards that have shared spend caps. For example, if a card earns rewards on up to $5,000 in spend across multiple categories, the category that's listed first will start to deduct from the cap per month followed by the second category and so on. Once you hit the cap, the earning rates across all involved categories may change. This will be reflected by showing a double (and sometimes triple) multiplier options when selecting a card.

category cap spend comparison tool

With the Order option, you'll be able to change the order of the categories. This is done by selecting a category and clicking on the Up or Down arrows on the side of the selected category field. If there's calculations that deal with spend caps, moving the categories around will change the earnings in the calculator based on the order.

category cap spend comparison tool

Options

The Options section features a few useful options:

  • Clear All Spend - This will clear all spend from every category in Group 1 and Group 2.
  • Clear Mobile - This will clear the mobile pay indicator off of all categories in Group 1 and Group 2. Do note this will not clear the mobile pay indicator for the mobile pay category.
  • Copy Right/Left - This will copy spend from one Group to the other. The spend amount and the unit of time (month/quarter/year) will be copied over. The mobile pay indicator will not be copied.

Reward Bonuses

Reward Bonuses will list any point/mile bonuses that have to do with the selected cards in a group. Most of these bonuses will be automatically calculated based off of spend entered in the calculator, but some of bonuses will allow you to toggle them on/off as well as edit them. Bonuses that can be toggled will show a checkmark box while bonuses that accept other values will show an edit icon (). Only cards that have rewards bonuses or cards in which you've given a Sign Up Bonus will be listed in this section.

reward bonuses section comparison tool

Subtotal

The Subtotal section will list all of the points, miles, or cash back earned for the entire Group. It will be separated by currency/rewards earned with a list of contributing cards under each section. It will also show the cash value of those rewards based on the value of the rewards entered in the Currency Worth section.

Do note that cash back cards will be grouped together in this section under the generic label of 'Cash Back' and not separated like they are in the Currency Worth section.

subtotal comparison tool

Another thing to note is that the calculator doesn't show decimals/cents/change, but they're included in the calculations. This means that the subtotal value may be off +/- $1.

Monetary Bonuses

Monetary Bonuses lists all cash bonuses associated with the cards in each group. The majority of these options will display the edit symbol () for you to change if need be. This allows you to enter how much you value the perks and benefits offered on cards.

monetary bonuses section comparison tool

Bonuses that are not editable will be things such as cash back earned from in-flight purchases. These type of bonuses are based on the spend you entered in the Category Spending section of the calculator.

Annual Fees

The Annual Fees section will list the total fees for each card as entered when you added the card to the calculator. This will include the Annual Fee of the card along with any Authorized User Fee (Supplementary Cards Fee). Nothing in this section can be edited directly. You can change the Annual Fee details in the Added Cards section by clicking on the individual card you want to edit.

grand total section comparison tool

Grand Total

The Grand Total section lists the cash earnings of each card (earnings minus the fees), the return based on spend for each card, and the total cash value of rewards earned across all cards for the group.

Do note that the Return on Spend is based on how much you spent on the card and the rewards you earned based on that spend. Sign up bonuses are included in the calculation, so do note that when looking at the return. Points earned from the Loyalty section are also included if the card is selected as being used to earn the loyalty rewards points.

grand total section comparison tool

Apply

If you want to apply for any of the cards listed in a group, clicking on the 'Apply' button will take you to that cards information page so that you can apply through the bank (or other entity) offering the card.

Any application links in which The Point Calculator will receive a referral (which can be cash, points, or miles) will be listed as 'Apply (Referral)'. If you do decide to apply though a referral link, it is much appreciated. Even if you don't, I appreciate you using the calculator.

Report A Problem

If you're having issues trying to get something to work or some kind of calculation is off, feel free to reach out to me via social media (Facebook & Twitter) or shoot me an email at [email protected].

Requests

If there's a card missing from the calculator that you want added, send the name of the card(s) to [email protected]. If it's a simple structured card, it should easily be able to be added to the database. The Credit Card Comparison Tools are specific to US, UK, and Canada at the moment, but if you want cards added to the site in general, I'm open to requests. Any cards that earn United States Dollar (USD), Canadian Dollar (CAD), Australian Dollar (AUD), Euro (EUR), and Pound Sterling (GBP) are wide open for consideration.

The Credit Card Comparison Tool

Build your best groups of credit cards and calculate away!

Calculator Options

General calculator options for your calculating needs.
Add Categories On Card Change
When set to On, adding a card to the calculator will add that card's bonus categories if they aren't already listed. You can toggle this to Off if you want to manually add all categories.
Column 2 Visible
When set to Show, both column 1 and column 2 will be shown. If set to Off, only column 1 will be shown.

Select A Credit Card

Search for a credit card using the options below. Once you select a card, you'll be able to add it to group 1, group 2, or both. You can toggle the annual fee, add authorized users, specify a sign up bonus, and insert any extra cash value you want to assign to the card.
Search Results Display Here
-
-
FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The authorized user fee of the selected credit card.
$ 0
SUB Sign Up Bonus
Enter the card sign up bonus if you want it factored in. The value pre-entered is the standard bonus.
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.

Add Card To Group(s)

Add the selected credit card to Group 1 or Group 2.

Added Cards

Listed below are the cards you've added to group 1 and group 2. You can click on the card to edit the fee, sign up bonus, and extra value amount. You can also remove the card from the list.
Group 1
Group 2
Edit Card in Group 1
FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The authorized user fee of the selected credit card.
$ 0
SUB Sign Up Bonus
Enter the card sign up bonus if you want it factored in. The value entered is the standard bonus.
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.
$

Currency Worth

Points, miles, and cash back associated with the added cards for each group are listed below. You can click on either group to edit the the currency values or to change to reflect transfer partners.
Group 1
Group 2

Loyalty & Memberships

Hotel elite status, loyalty programs, and memberships. Defined in Currency Worth as [LOY].
/ Loyalty G1
/ Loyalty G2
Group 1
Group 2

Categories Spending

Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Categories
Order
Options
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.
Type at least 3 characters.
Currently Selected:
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay indicator from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobile pay indicator.
Group 1
Group 2

Reward Bonuses

Any extra bonuses to do with a specific card will be listed here.
Group 1
Group 2

Subtotal

The sum off all points, miles, and cash back earned for each group.
Group 1
Group 2

Monetary Bonuses

Total cash bonuses associated with the selected cards. You can change the value of those that feature the symbol. Other bonuses are automatic.
Group 1
Group 2

Annual Fees

This is the sum of the annual fee and authorized user fee for the cards added. Fees can be changed under the 'Added Cards' section.
Group 1
Group 2

Grand Total

The grand sum of earnings and fees for each card individually and for the entire column.
Group 1
Group 2

Apply

Apply for the listed cards. Standard application and referral links will be listed if available. Applying through referral links helps out the site and is greatly appreciated. Apps open in a new tab/window.
Group 1
Group 2

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