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

Calculate total rewards and the cash value of U.K. credit cards based on spend, the value of card benefits, and annual fees.

Calculate Credit Card Rewards

Calculate total rewards and the cash value of top U.K. credit cards based on spend, benefits, and annual fees using our interactive credit card calculators.

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Don't leave cash back on the table. Earn cash back on top of what you would normally earn shopping online at your favorite retailers. Sign up for free to start double and triple dipping on rewards!
Enter how much you spend across different categories and get a list of the best credit cards based on your spend.
Put together your favorite credit cards and calculate the cash value of the entire combo. Mix and match cards from different issuers and programs!

Top Rated U.K. Credit Cards
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. Benefits include access to over 1,200 lounges worldwide, complimentary elite status with four hotel brands, 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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