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How The Point Calculator started

The Point Calculator website was created in April 2017 due to their being no easy way to compare the earning rates of different credit cards from various issuers side by side. When the site was release, it featured six loyalty programs:

  • Marriott Rewards
  • Starwood Preferred Guest
  • Hilton Honors
  • World of Hyatt
  • American Express Membership Rewards
  • Delta Air Lines SkyMiles

All of the calculators were made out of ASCII characters (basically dashes, plus, and equal signs) due to me having very limited knowledge of HTML and other program languages.

Fast forward to 2024 and the site now features over 170 rewards programs between the United States, Canada, United Kingdom, and Australia. This includes over 400 credit card calculators across all of these regions.

The goal of The Point Calculator

The primary goal of this site is to help users find the best credit cards for how they spend and what benefits they care about. This is done by calculating how much you can earn in rewards based on spend entered into the tool and how much you value card benefits, minus annual fees.

This will give you an idea of which credit cards will work best. You can then compare credit cards side-by-side to find out which is ultimately the best for you.

The Point Calculator staff

Robert Flowers III

Robert Flowers III

The Point Calculator
Owner / Creator / Programmer / And Pretty Much Everything Else-r

Social networks

If you want to contact me about issues with a calculator, inquire about your favorite rewards credit card missing, or to just say high, feel free to contact me via the social networks listed below.

I'm also on , but I haven't posted anything in ages.

Most of time is spent programming and keeping up with the credit card world across several countries. On top of that I have a full-time job and a family which includes a newborn... so don't expect too many posts from me.

Card and calculator requests

If there's a credit card calculator or a type of calculator you're looking for, you can reach out to me via social network.

Credit cards from the following regions can be requested:

  • United States
  • United Kingdom
  • Canada
  • Australia

If you request a card, they must dabble in one of the following currencies:

  • United States Dollar (USD)
  • Canadian Dollar (CAD)
  • Euro (EUR)
  • Pounds Sterling (GBP)
  • Australia Dollar (AUD)

Assuming the card doesn't require trigonometry and rocket science to calculate the rewards, I should easily be able to add it to the database. Depending on the region, the card may not get it's own personal page, but you'll at least be able to compare it against other cards from the same region as well as calculate rewards through all of the major rewards credit card tools the site offers.

Our Top Partner Credit Card Picks

We've run the calculations and checked them twice — here are the credit cards that consistently provide outstanding value to our users: