Bank Rewards Points Calculators

Earning, Redeeming, and Transferring Points

Calculators for earning, redeeming, transferring, and calculating the cash value of points earned with bank rewards programs.


Bank programs offers great opportunities to earn rewards on everyday spend. These programs aren't associated with any particular airline or hotel program and are instead earned directly through the bank itself. Bank rewards programs are split up into bank rewards programs in which you can transfer points to other loyalty programs and bank rewards programs in which you cannot.

Transferable Rewards Points

Bank rewards programs that offer points that can be transferred to other programs gives you a lot of flexibility and that's the reason why they are the most popular. You could redeem the points directly though the bank or you could transfer the points to a hotel or airline partner and redeem them that way. This gives your points a range of different values depending on how you redeem them. For example, a Membership Rewards Point could be worth 1 cent when redeemed directly though AMEX, but could be worth 0.6 cents when transferred to Hilton or worth 2 cents when transferred to British Airways. Dealing with transferable rewards points will typically require you to do some research if you want to get the best value out of your rewards.

Non-Transferable Rewards Points

Most bank rewards programs will offer points that are only redeemable directly through the bank. With these types of points, you'll know how much your points are worth for the available redemptions. It takes the guessing out and gives you a straightforward value for the rewards you've earned. These points will generally not be worth as much as transferrable rewards points, but you generally will not have to worry about researching and finding out how to get the best value out of your rewards.

American Express Membership Rewards

American Express offers a handful of Membership Rewards credit cards that can earn you points on everyday spend as well as grant various travel benefits. Membership Rewards Points can also be transferred to airline and hotel partners which makes them very flexible.

Membership Rewards
AMEX Points Calculators
Credit Cards
AMEX Platinum Card AMEX Platinum Card Calculator
AMEX Preferred Rewards Gold Card AMEX Preferred Rewards Gold Card Calculator
The American Express Card The American Express Card Calculator
The American Express Rewards Credit Card The American Express Rewards Credit Card Calculator
AMEX Business Platinum Card AMEX Business Platinum Card Calculator
AMEX Business Gold Card AMEX Business Gold Card Calculator

HSBC

HSBC offers three point earning cards. The HSBC Rewards Card is the low-tier card that offers a low return in exchange for having no annual fee, the HSBC Premier Mastercard is the mid-tier card offering a good amount of benefits including 2x points on foreign currency purchases, and the HSBC Premier World Elite Mastercard is at the top with double the points of the Premier along with anniversary points, complimentary lounge access, and much more.

HSBC Rewards
HSBC Rewards Calculators
Credit Cards
HSBC Premier World Elite Mastercard HSBC Premier World Elite Mastercard Calculator
HSBC Premier Mastercard HSBC Premier Mastercard Calculator
HSBC Rewards Masterard HSBC Rewards Masterard Calculator

NatWest

NatWest offers two point earning credit cards. You'll earn 1% back on supermarket spend across both cards, but earn 0.25% back on all other purchases with the Reward Credit Card and 0.5% back on all purchases with the Reward Black Credit Card. The Reward Black Credit Card also has no foreign transaction fee which makes it a decent option for international spend.

The NatWest Rewards Program mirrors the RBS Rewards Program.

NatWest Rewards
NatWest Reward Point Calculators
Credit Cards
NatWest Reward Black Credit Card NatWest Reward Black Credit Card Calculator
NatWest Reward Credit Card NatWest Reward Credit Card Calculator

Royal Bank of Scotland

Royal Bank of Scotland, known as RBS, offers two point earning credit cards. Both cards earn a 1% return on supermarket, bonus rewards when spending with RBS retail partners, and waived fee for those with RBS banking products. The RBS Reward Black Credit Card has no foreign transaction fee and offers the higher return on non-category spend.

RBS Rewards
RBS Reward Point Calculators
Credit Cards
RBS Reward Black Credit Card RBS Reward Black Credit Card Calculator
RBS Reward Credit Card RBS Reward Credit Card Calculator

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