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

Calculate total rewards and the cash value of over 280 top 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 over 280 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 Rewards Cards & Calculators

If you're looking for the best of the best, get our top picks for best credit cards and calculate which top picks will earn you the most rewards and the best return based on spend, benefits, and annual fees.

Get matched with offers you're more likely to qualify for based on your credit profile.
Put together combinations of credit cards and calculate the cash value of the entire combo.
Calculate the average dollar value of airline miles and rewards points earned in rewards programs.

Best Credit Cards By Bank

If you're looking to earn rewards with a specific bank, you can check out our top picks for each bank and calculate which credit cards with that bank will earn you the best return based on spend, the value of benefits, and annual fees.

Rewards Programs & Calculators

Check out our articles 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 rewards credit cards earn you the most rewards and best return based on how much you spend across different categories.

I want to earn:
I'm looking for a:
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.
Loading Categories...
Currently Selected:
Type of spend for the selected category.

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.

Spend Duration

You can set the duration of the spend for the categories listed above. If you're looking for the best card for only n-months worth of spend, this is where you change the option.

If you want to calculate based on a full year of spending, you can leave it set to a duration of '1 Year'.

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.

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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