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Credit Card Combination & Rewards Calculator Tool UK

Compare and calculate rewards for the best credit cards in the UK side by side based on spend, the value of benefits, and annual fees.

Welcome to the ultimate tool for calculating credit card rewards and the cash value of credit cards based on spend, benefits, and fees.

Use our Credit Card Combination and Rewards Calculator Tool to find the best combination of credit cards for earning the most points, miles, and cash back.

Mix and match credit cards from any issuer and calculate credit card rewards for all of the cards, at once, side-by-side.

The calculator is loaded with customization options:

  • Add and remove categories to the calculator
  • Assign cash values to card benefits
  • Specify which cards you'll use for what categories and see the amount of points you'll earn in real-time
  • Adjust the value of rewards based on how you plan on redeeming your rewards
  • Factor in intro bonuses, authorized users fees, and elite status with select programs
Need Help Finding The Best Cards?

If you're looking to maximize your rewards, you can check out our Best Rewards Credit Card Finder Tool. View a list of the credit cards based on rewards and input your monthly or yearly spend amounts into the tool to find out which cards will earn you the most points, miles or cash back!

Calculate Rewards For Any Card Combination

Calculate rewards for a single card, a group of credit cards, two cards side-by-side or two groups of credit cards side by side. You can even add duplicate cards!

Adjust Currency Value

Everyone doesn't value points and miles the same which is why you can adjust the value of points and miles for any rewards program.

So whether you're redeeming points towards first class flights on 5-star airlines or just trying to redeem points to knock down your statement balance, you'll know how much value you're getting out of your spending.

The value of cash back cannot be adjusted... I know you want more out of your buck, but that's not how this works!

Set Up How You Plan On Using Your Cards

Input your monthly and yearly spend by category and select which credit card you plan on using for that category.

Rewards will calculate in real-time based on what you enter and you'll also be able to see how much value you'll get out of each card based on the currency values you've set.

Enter How Much You Value Benefits

Credit cards offer an array of benefits now-a-days, and there's some you may never use and some that may be worth more or less to you in value compared to someone else.

With this tool, you're able to change the value of any popular credit card benefit that is listed.

Change the value of an annual free night award to $500 or to $90. Can't use the hundreds of dollars worth of credits from a certain card? Go through each benefit and set the values to what you can use.

See Who's Pulling Their Weight

Once all calculations are done, you'll be able to view the grand total earned with each group of cards as well as how much each individual credit card is contributing.

This helps you to weed out any credit cards that may not be as useful as you thought and to plan the perfect combination of credit cards.

You can then learn more about each card and apply for them, when applicable, directly through our partners. This part also helps out me and the site, so it's much appreciated if you do.

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What are the features of this comparison tool?

You can compare credit cards side by side based on your monthly/yearly spend, how much you value card benefits, and annual fees. You can toggle transfer partners, add authorized users, select hotel elite status, and much more.

How many cards can you compare at once?

You can compare any amount of cards side by side. You can compare 1 card versus another, 3 cards versus 5 cards or, even 10 cards versus 10 cards. There is no limit.

Can I calculate the cash value of the cards in my wallet?

Yes. You can add your current credit cards to the calculator and find out which cards are offering you a good and bad return.

Which credit cards can I compare?

The site has over 130 Canada credit cards for you to compare.

A credit card that I want to compare is missing. How do I get it added?

Message me on Facebook or Twitter and let me know. Most cards only take me a few minutes to add to the comparison tool (unless it has some kind of complex earning structure).

What types of cards can I compare?

You can compare any type of credit cards side by side.

Can I add the same card to the same group more than once?

Yes! The calculator supports the ability to add duplicate cards as well as duplicate categories for even more customization.

Can you apply for cards directly from the calculator?

I don't currently partner with any U.K. credit card issuers, so unfortunately you will need to navigate to the issuer's website to apply.