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 much 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

Listed below are a few of my favorite credit cards for earning rewards across everyday spend. If you're looking for somewhere to start, these are great options!

Earn 4X points on restaurants worldwide and at U.S. supermarkets. $120 in annual Uber Cash and $120 in annual Dining credits.
Welcome Bonus: 60,000 bonus points.
Terms Apply.
Earn 6% cash back on the first $6,000 in U.S. supermarket purchases per year (then 1%), 6% back on U.S. streaming services, 3% back on both U.S. gas station and transit, and 1% back on everything else.
Welcome Bonus: $300 Statement Credit.
Terms Apply.
Earn an unlimited 2X miles on all purchases ran through the card. Redeem miles for travel with no blackout dates or restrictions.
Welcome Bonus: Up to 100,000 bonus miles.
Terms Apply.
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. One of the best no-annual fee cards on the market.
Welcome Bonus: $200 bonus cash.
Terms Apply.
Earn 1% cash back on your purchases and 1% cash back when you pay off those purchases for a total of 2% cash back. Unlimited. No annual fee.
Get our top picks for the best business credit cards of 2021.

Credit Cards By Bank

Get a list of the best credit cards for each of the partner banks listed below along with access to rewards calculators, details on rewards programs, and credit card comparisons. You'll also be able to calculate total rewards for each of the listed banks based on your spend to find out which cards can earn you the best return. If you want to calculate rewards for other banks, you can click on All Banks.


Save Money & Earn Rewards
Don't overpay for flights. Get notified when cheap flights are bookable from your favorite airports. Save on domestic and international flights. Free and paid membership options available. Highly Recommended if you love to travel.
Earn cash back shopping online at your favorite retailers with Rakuten Rewards. It's no cost to use and is basically free money on top of the rewards you would normally earn. Sign up through The Point Calculator and earn bonus cash back.
Get the score that 90% of top lenders use. Sign up for MyFICO and get notified on changes to your FICO score and credit report. Sign up through The Point Calculator and get 20% off.

Rewards Program Calculators

Get the details on earning and redeeming rewards with over 120 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, the cash value of rewards based on redemption, and much more.


Credit Building

If you have bad, fair, or no credit, we have the credit cards you're looking for. Get our top picks for the best credit building credit cards as well as resources for helping you repair you credit and get you back on track!

Get the list of tools you can use to help keep track of your credit as well as our top credit card picks for bad, fair, and no credit.
Jasper Cash Back Mastercard®
Best For Earning Rewards While Building
Earn up to 6% cash back by referring friends to the Jasper Cash Back Mastercard. Promotional cash back lasts for 1 year. No annual fee.
Upgrade Visa® Card with Cash Rewards
Best For Fair Credit & No Credit
Earn an unlimited 1.5% cash back on card purchases every time you make a payment. $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees. See if you qualify in minutes without hurting your credit score. Access to a virtual card while you wait for you card to arrive in the mail.
Get a list of the best credit cards for bad credit. Boost your credit by making on-time payments and keeping a low balance.
Get a list of the best credit cards for fair credit. Continue to build your credit history and improve your score with these cards.
Have limited credit or no credit at all? Build up your credit profile with these great credit card options.

Unsure of what type of rewards card you're looking for? Use CardMatch™ to get matched with offers, which may include special and/or qualified offers, on cards you're more likely to qualify for. You never know what great offers you might receive!

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