Find Rewards Credit Cards Based On Your Monthly Spend

Credit Card Finder Tools
Input how much you spend per month into the tool, then sit back and relax as our calculator outputs the credit cards that earn You the most rewards.
By R.Flowers III
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How This Tool Works

Input Your Monthly & Yearly Spend

Estimate how much you plan on spending monthly and yearly across your rewards credit cards and enter those values into the tool by category.

You can add categories using () as well as remove categories as you see fit.

There's no limit to the amount of categories you can add to the tool, so be sure to cover all the categories that you spend most in every year.

Get Results

Once you click search, the tool will go through each of our partner credit cards, estimate total points, miles, or cash back, and calculate the overall average card value based on those rewards, annual credits, and annual fees.

The tool will output up to 10 credit cards for each of the credit card categories listed which includes travel, cash back, no annual fee, and several other popular card types.

When applicable, it will also show the current intro bonus for the card which is calculated in the results only if the criteria has been met. Intro bonuses can also be turned off if you want to calculate card value for the second year and onward.

You can click on Learn More to get additional details about the card in a new window through our partners. That way you can browse the benefits of any cards that you're interested in without worry about losing your search results.

Breakdown & Deeper Dive

Click on the total rewards or card value for any of the cards to get a breakdown of how everything was calculated. It will also display some additional information along with links to learn more about the rewards the card earns.

You'll also be able to jump to the card's Rewards Calculator to calculate rewards on an even deeper level including the ability to change point/mile values, change the cash value of annual benefits, specify authorized users, select program membership and elite status levels, and compare up to two credit cards from any issuer side-by-side.

Credit Card Rewards Calculator Tool

Use this calculator to find out which credit cards will earn you the most points, miles, and cash back based on the spend amounts you enter into the tool. Compare results and apply for top rewards credit cards.

Loading Calculator...
If the calculator doesn't load after a few seconds, click here to re-load calculator.
Category Spending
Resets all fields in the Category Spending section for all columns. Also clears all saved spend values that carry from calculator to calculator.
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:
Spend Region:
Income Requirement
Income Type
Select if you're looking for credit cards based on your own individual income or if you're looking for credit cards based on the income of the entire household.
Income Maximum
Select the maximum income requirement you want listed in your top picks.
Calculator Options
Include Intro Bonuses?
If set to yes, intro bonuses will be included in the calculations if you meet the monthly spend criteria based on what's entered into the tool. Do note that we do not have intro bonuses for all credit cards and we cannot calculate intro bonuses for some cards.

Find out which credit cards will offer you the most value based on the spend amounts you entered

No Results. This is usually due to:

  • There's no good card options based on the spend entered.
  • The calculator is having a brain-fart and is not calculating rewards properly.

Enter different values or try again later.


These estimates are to help guide you towards making the best decision when it comes to picking up a rewards credit card. They should be used for illustrative purposes only. You can click on the estimated earnings to see the calculations or click on the card to learn more.

Do note that all spend amounts entered into the tool above will carry over to every credit card rewards calculator on the site, so there's no need to re-enter spend if you choose to dive deeper into calculating rewards for credit cards on the site.

Top Partner Offers

Earn 10% Back
Unlimited 2% Money-Back at No Annual Fee with No Minimum Income Requirement.
Earn 10% Back
Unlimited 2% Money-Back, Lounge Access, & Travel Insurance at No Annual Fee.
Up to 70,000 points
High Earning Rate, $150 in Annual Travel-Fee Refunds, Top-Notch Travel Insurance, & NBC Lounge Access.
Calculate Total Rewards & Card Value Per $1 Spent For 100+ Canada Credit Cards
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