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

Tools & Guides

Credit Card Comparison Tool

Compare any amount of credit cards side by side based on spend, benefits, and fees. Great for finding the best card combinations!

Reward Point Transfer Calculator

Calculate the transfer of rewards between programs. Select a program, enter a value, and let us handle the rest.

Buying Points & Miles

If you're a few rewards short of your next redemption, many programs allow you to buy them to top off your account. Learn the costs associated with doing so.

Points & Miles Valuations

A list of how much The Point Calculator values points and miles across programs covered on the site.

Points To Dollars - Calculators

Quickly calculate the average cash value of points and miles for all programs covered on the site based on our point and mile valuations.

Percent Off Calculator

Online calculator to calculate the percent off of a single item or multiple items. Sales tax, stackable discounts, and coupons can also be entered.

The Point Calculator's Top Card Picks

American Express® Gold Card

Card earns 4 points per $1 spent on U.S. supermarket purchases and restaurant purchases worldwide. Benefits include $120 in annual Uber Cash and $120 in annual dining credits, both split into $10 per month. Points can be redeemed through AMEX or transferred to airline and hotel programs.

Blue Cash Preferred® Card from American Express

Earns 6% cash back on up to $6,000 in U.S. supermarket spend per year, then 1% after that. Also earns cash back on U.S. streaming services, U.S. gas station, and transit purchases. Highly recommended if you spend around $500 per month at U.S. supermarkets.

Chase Sapphire Reserve®

Premium/luxury travel card that offers a long list of benefits including Priority Pass membership, a Global Entry/TSA PreCheck credit, and a 50% boost to point value for Chase Travel Portal redemptions. Card earns 3 points per $1 on travel and dining purchases. Points can be redeemed through Chase or transferred to airline and hotel programs.

Bank of America® Cash Rewards Credit Card

Offers 3% cash back in the category of your choice, 2% back at grocery stores and wholesale clubs, and 1% back on all other purchases. If you're a Preferred Rewards member, you can earn 25% to 75% more cash back on every purchase. No annual fee!

Citi Premier® Card

Great well-rounded card that earns 3 points per $1 on airfare, hotel, gas station, supermarket, and restaurant purchases. Points can be redeemed with Citi or be transferred to airline partners.

Wells Fargo Propel American Express® Card

No annual fee card that's great for earning rewards towards travel. Earns 3 points per $1 on travel, gas station, transit, dining, and streaming service purchases. Pair it with the no annual fee Wells Fargo Visa Signature Card and you'll be able to redeem points for 1.5 cents each towards airfare.

New To Points & Miles?

If you're new to earning rewards, I recommend reading the two guides below to get started. This will give you the basics of understanding how credit scores and credit card rewards work. You can also sign up for a credit monitoring program to keep tabs on changes to your score and your report.

Understanding Your Credit Score

Get the details on what makes up your credit score and how you can obtain your credit score and credit report.

How Credit Cards Rewards Work

Get details and tips on what you need to know about earning points, miles, and cash back with rewards credit cards.

Credit Karma

Credit Karma is great for staying up to date with what's on your credit report. Sign up for free.

MyFico

Keep up to date with the #1 scoring model most companies use. Sign up for MyFico today to get 20% off and get both your credit score and credit report for Experian, Equifax, and Transunion all in one place.

Transunion

You can sign up for credit monitoring directly though TransUnion for $24.95/month. It includes unlimited score and report access, the ability to lock/unlock TransUnion and Equifax reports, email updates and critical changes for all 3 bureaus, and much more.

Credit Building, Loans, and Balance Transfers

This site mainly focuses on earning and redeeming rewards, but that doesn't mean we can't point you in the right direction for other types of cards. If you're looking for credit building cards, pre-paid cards, low interest cards and more, you can click on the links below to get a list of the best cards for the given category from Credit Cards.com.

Limited or No Credit History

Get a list of credit cards that you can apply for with limited or no credit history.

Credit Cards for Bad Credit

If you have bad credit and you're looking to improve your score, check out some of the best credit cards for doing so.

0% APR Credit Cards

Low Interest Credit Cards

Need a loan? Get a list of the top loan providers to cover everything from unexpected emergencies to dream vacations.

0% Balance Transfers

Prepaid Credit Cards