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 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
Earns 3X points with American Express Travel, 2X on airline and foreign currency purchases, and 1X everywhere else. Benefits include 10,000 point bonus with spend, two complimenary lounge visits per year, access to The Hotel Collection, Deliveroo credits, and more.
Earns 3X points with Virgin Atlantic and 1.5X on everything else. Benefits include Boingo Wi-Fi and an annual reward based on card spend and status with the program.
Earns 3X Avios with British Airways and BA Holidays and 1.5X on everything else. Benefits include a travel companion voucher after spending £10,000, access to AMEX Experiences, and travel/purchase protections.
Earns 1% back on £0 to £10,000 spent in a rolling 12-month period and 1.25% back when you spend over £10,000 in a rolling 12-month period. Benefits include standard AMEX benefits and some travel/purchase protections.
Earns 2X points per £1 equivalent spent in foreign currencies and 1X on everything else. Benefits include lounge access via LoungeKey, Boingo Wi-Fi, hotel discounts with Expedia and Agoda, Expedia+ Gold membership, and other Mastercard benefits. No annual fee.
Earns 2X points on AMEX Travel and 1X on everything else. Premium travel card with an extensive list of benefits. Most popular benefits include lounge access (Priority Pass, Delta SkyClub, AMEX/Centurion Lounges, Eurostar Business Premier Lounges), access to Fine Hotels & Resorts, The Hotel Collection, and The Vacation Collection, complimentary hotel elite status (Hilton, MeliaRewards, Radisson, Shangri-La, Marriott), a $200 onefinestay Credit, and so much more.

Rewards Program Calculators

Get the details on earning rewards with 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, and much more.

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