Credit Card Rewards Calculator | Search By Monthly/Yearly Spend

Search By Monthly/Yearly Spend

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Use this tool to search for the best credit cards based on how much spend you will run through various bonus categories. You can add and remove categories as you please. You can use the Filter to toggle options such as networks, card types, fees, and more. Once you hit Find The Best Cards, you will get a list of 50 cards that best match your spend and the options you selected. Do note that the calculator is based on second year values by default. You can change the option to first year values under the Filter. First year values will take into account rewards cards that have no annual fee the first year (thus giving you a higher value).

Do note that the point values I use do not take into account transferring to partners. So if you value transferable point programs such as Membership Rewards and Ultimate Rewards Points at a higher than face value, you can click on the Filter option and select point valuations from other sources.

Credit Card Network

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Personal/Business Credit Cards


Annual Credits

Annual Fee

Foreign Transaction Fee

Reward Point Value

The Point Calculator point and mile values reflect using rewards for the most straightforward and easiest of redemptions you can get without any research work whatsoever. They do not reflect the value from transferring to travel partners. If you're more aggressive and tend to get the most out of your points you can use The Point Guy's valuations.

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Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
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Search Results

You can click on any of the cards below to learn more about the benefits and calculate how many points, miles, or cash back you can earn. You can also compare the results side-by-side against another card to find out which earns you the best return per $1 spent. Results will show the best 50 credit cards based on the spend you entered.

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Other Ways To Search

Check out the other ways you can search for credit cards including by bonus category, keywords, and currency.

Recent News/Articles

Page Last Updated: 2019-07-31

Editorial Note: All opinions expressed on this site are my own and not those of any bank, rental car company, credit card issuer, hotel company, or any entity mentioned herein. Opinions, calculators, and other editorial content on this page have not been approved or endorsed by any entities on this site. You can read our Private Policy to learn more.

Advertiser Disclosure: Advertisements are listed throughout this site. I may be compensated if you choose to use any of the links on this page. This includes, but is not limited to, making purchases, signing up for programs, and applying for credit cards. You can view the details of that on our Advertising Policy page.

About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.

The Point Calculator is owned by RF3 LLC. This site is informational and meant to provide help in calculating points with various programs. The owner of this site is not a legal or tax professional and the statements and articles on this site are opinion of the owner and should not be relied upon for individual circumstances.

2019 The Point Calculator and its logo is copyrighted and owned by RF3 LLC. All Rights Reserved.