UK Credit Card Combination Rewards Calculator Tool

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How This Calculator Tool Works

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!

Note: This tool works best if you already have credit cards in mind. If you're still on the hunt for the best credit cards, check out the resources and tools below. We'll still be here when you're ready to calculate rewards!

Find The Best Credit Cards
Based On Your Monthly Spend

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 cash, 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. This includes the value of free nights, companion certificates, and anything else the card may offer.

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.

Credit Card Comparison Tool

Use the Credit Card Comparison Tool to calculate rewards for any combination of credit cards based on the spend amounts you enter.

Loading Credit Card Comparison Tool...

Calculator Options

This section lists a few options that you can customize for the credit card comparison tool.

Add Card Categories

When On, adding a card to the calculator will add that card's bonus categories if they aren't already present. You can toggle this Off if you want to manually add categories to the calculator. On by default.

Auto-Assign Cards To Categories

When On, cards added to the calculator will automatically be assigned to any Spend Categories added with it. Only applies when Add Card Categories is toggled on. Toggle this Off if you want to assign each category to a card manually. On by default.

View Second Column

When On, a second column will be added to the calculator. This will allow you to compare two groups of credit cards side by side. Off by default.

Credit Cards

Use this section to add credit cards to the calculator. You can search for a card or go through our top recommendations for each category.

Once you select a card, you'll be shown the details of the card. Any link you click on will open up in a new tab, so you will not lose your calculations.

If it's the card you want, click on Add To Calculator or Add To Column 1 /Column 2 if you have the second column viewable to begin calculating rewards.

Add Credit Cards

Search Cards

Search for a credit card by name, rewards program, or the rewards currency it earns.

Search Results Display Here

Travel Cards

Travel credit cards are great for building rewards redeemable towards a wide variety of travel including airfare, hotels, car rentals, cruises, and more. Most travel cards also offer a range of benefits that can make your trips more enjoyable and save you money.

Cash Back Cards

Cash back is one of the most flexible form of rewards and most easy to understand. Rewards earned are worth face value and they can be used towards almost anything.

Business Cards

Put money back into your business by earning cash back, points, or miles on business expenses. Many cards also offer travel insurance, purchase protection, and more.

Airline Cards

These are the best credit cards if you're looking to use rewards towards award flights. Some of these cards also offer various benefits such as lounge access the ability to earn qualifying miles through spending.

Hotel Cards

If you're looking to use rewards towards free nights at hotels, these are the best cards for you. Many of these cards also offer great benefits such as annual free nights, complimentary elite status, and more.

No Annual Fee

If you're looking to minimize your immediate costs while still earning plenty of value, you may want to consider a credit card with no annual fee. Some of these cards also offer lower interest rates and balance transfer offers.

Intro Bonus:

Annual Fee:

Authorized User Fee:

Bonus Categories:

Add To Calculator Close

Currency Worth

This section allows you to enter how much you value the rewards being earned with the cards selected.

The initial values entered is how much The Point Calculator values the rewards on average. You can click the info icon by the name of the currency to learn more about redemptions and cash value (when applicable, will open in new tab).

Do note that the value of cash back cannot be changed.

Column 1

Column 2

Loyalty & Memberships

Loyalty: When adding hotel rewards cards (and a select few others) you'll be able to factor in the points earned from elite status. If a card offers complimentary status, the proper status will be selected by default.

Loyalty is reflected by a blue LOY image. Adding a card with loyalty attached to it will add it to the calculator. It becomes its own entity once added to the calculator and can be removed independent of the card that added it.

Membership: If a card offers any kind of bonus rewards based on your membership in a program, the option will be listed here. Do note that some options calculate automatically.

Welcome Bonus: Any welcome bonuses that changes the earning rates of a card will also be listed here. This allows you to toggle the bonus on or off.

Column 1

Column 2

Category Spending

Use this section to enter how much you plan on spending either monthly or yearly across different categories. You will also need to select which card you plan on using for each category if you're adding multiple cards to the calculator.

When selecting a card, you'll be show how much cash back, points, or miles you'll earn with each card based on the spend entered.

You can click on the option button for access to a lot of useful tools you can use to quickly adjust spending and card selection for the calculator.

Copy spend values and selected time unit from each category in Column 1 to apply them to Column 2.

Copy spend values and selected time unit from each category in Column 2 to apply them to Column 1.

Change the order of the categories in the Category Spending section. This has an impact on cards that have spend limits and bonus caps on categories.

Resets all fields in the Category Spending section for all columns.

Removes all categories listed under Category Spending from the calculator.

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.

Type at least 3 characters.

Currently Selected:

Spend Region:

Column 1

Column 2

Reward Bonuses

If a card earns bonus points, miles, or cash back, it will be listed here. You'll be able to edit or toggle on/off most bonuses listed here.

Do note that some bonuses may be automatically calculated based on spend entered in the Category Spending section.

If you want to factor in an intro or welcome bonus, you can also do that here by entering it in the Extra Value field. You can click on View Offers when applicable to see current sign up bonuses for all top credit cards by category.

Column 1

Column 2

Subtotal

This is the total of all points, miles, and cash back earned between Loyalty/Memberships, Category Spending, and Reward Bonuses. This section also displays the cash value of all rewards earned based on the value of rewards entered in the Currency Worth section.

Column 1

Total Cash Value

Column 2

Total Cash Value

Monetary Bonuses

This section lists all monetary bonuses. This includes annual credits and top-tier benefits that can offer great monetary value.

If there's a perk or benefit missing that you find valuable, you can add how much you value it in the Extra Cash Value field.

Column 1

Total Monetary Value

Column 2

Total Monetary Value

Annual Fees

With great benefits comes great annual fees. If a card has a fee that you have to pay annually (or monthly in rare cases), it will be listed here. You have the ability to change it.

If the card charges a fee for adding authorized users, it will also appear in this section.

Column 1

Total Annual Fees

Column 2

Total Annual Fees

Grand Total

This is the grand total of everything. It displays your overall cash earnings per card as well as return per £1 spent based on those earnings.

If you're comparing cards, the column that earns you the best return and most cash back will glow a healthy green color.

Column 1

Grand Total

Column 2

Grand Total

Learn More / Apply

You can learn more about cards as well as apply for them.