The Point Calculator website features affiliate links from a handful of companies. When you make apply for cards or make purchases through these links, I earn a small commission for referring you.
This helps keep the site running and pay the bills. Usage of any affiliate links on the site are greatly appreciated.
Most of the affiliate links scattered throughout the site are companies that provide travel services such as car rentals, airlines and hotel/lodging. Those companies include, but are not limited to:
- Air France
- Avis Car Rental
- Best Western
- Budget Car Rental
- Choice Hotels
- Dollar Rent-A-Car
- Etihad Airways
- Hilton Hotels
- IHG Hotels
- Radisson Hotels
- Red Roof
- Saks Fifth Avenue
- Thrifty Rent-A-Car
- Virgin Atlantic Airways
Credit Card Commissions
The Point Calculator (U.S.) is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com.
Partners such as these may impact how and where products appear on the site (including, for example, the order in which they appear).
While the site does cover a wide range of credit cards from different markets, it does not include all credit card companies or all available credit card offers.
When using the credit card calculators throughout the site, you'll find that a small handful of U.S. credit cards will list a Referral Link.
When using a referral link, I will earn points, miles or cash back depending on the card.
Outside of earning me rewards, sometimes referral links can provide additional offers that cannot be obtained by applying normally. Thanks in advance for any refer-a-friend links you may use on the site.
Credit Card Calculators
Several types of calculators on the site will generate a list of best credit cards based on criteria that you've entered, such as spend by category. The results of these calculators will mainly feature credit cards from our partners and major banks.
Smaller banks, location-specific banks, and credit unions may also appear in these lists if they provide a card product that is easy to sign up for or relevant to the page/article.
We've run the calculations for you and here are our top picks for best credit cards of 2023:
- Best premium card for unlimited miles: Capital One Venture X Rewards Credit Card.
- Best for flexible travel rewards: Chase Sapphire Preferred® Card.
- Best for everyday spend and travel: Citi Premier® Card.
- Best cash back card for groceries: Blue Cash Preferred® Card from American Express.
- Best for dining and supermarkets: American Express® Gold Card
- Best for business travel rewards: Ink Business Preferred® Credit Card.
- Best cash back business card: Capital One Spark Cash Plus
Our Credit Card Rewards calculator can help you find the perfect card and offers based on your monthly and yearly spending habits. Simply enter your spend amounts into our tool and let us do the work for you!