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

Calculate total rewards and the cash value of UK credit cards 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 top UK 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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Best UK Credit Cards

Check out our top picks for the best credit cards in the UK. Click on a card to calculate total rewards and compare the results side by side other top cards.

Best For Lounge Access & Luxury Travel

Tools & Calculators

Check out our popular credit card tools for comparing combinations of credit cards side by side, calculating the cash value of rewards, and transferring points to partners.

Put together combinations of credit cards and calculate the cash value of the entire combo.
Quickly calculate the average value in pounds of airline miles and rewards points earned in popular rewards programs.
Calculate the transfer of points and miles between popular programs in the UK.

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

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.
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Currently Selected:
Type of spend for the selected category.

1. 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.

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.

2. 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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