Bank & Travel Rewards Programs: Calculate Rewards & Compare Cards

Rewards calculators for bank and travel programs. Calculate credit card earnings based on spend, the cash value of rewards, and reward point transfers.

Review the details of top bank and travel rewards programs. Calculate total rewards and the cash value of bank and travel rewards credit cards, the value of rewards based on redemption, and the transfer of rewards to partners when applicable.

Use the Bank and Travel Rewards Credit Card Calculator to calculate which bank and travel rewards credit cards will earn you the best return based on your spend.

Best Travel Credit Cards

Here's a few of our favorite travel credit cards from our partners. You can check out the full list and calculate which cards earn you the most rewards by jumping over to our list of best travel credit cards.

American Express® Gold Card
American Express® Gold Card
Intro Bonus
Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
Rewards Rates
4X
Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery.
4X
Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
3X
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
1X
Earn 1X Membership Rewards® point on all other purchases.
Main Card Highlights
  • Rose Gold is back. You can now choose between Gold or Rose Gold.
  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • Get up to 12 complimentary months of an Uber Eats Pass subscription when you enroll with your Gold Card by 12/31/21.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees
Annual Fee
$250
Authorized User Fee
$0 for the first five add'l cards, then $35 per card for the sixth card onward
Foreign Transaction Fee
0%
Chase Sapphire Preferred®
Chase Sapphire Preferred
Intro Bonus
Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
Rewards Rates
2X
2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel.
1X
1X points per dollar spent on all other purchases.
Main Card Highlights
  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
  • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
  • With Pay Yourself Backâ„ , your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%
Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
Intro Bonus
Limited Time Offer: Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months
Rewards Rates
2X
Earn an unlimited 2X miles per $1 spent on every purchase, every day.
Main Card Highlights
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
  • No foreign transaction fees
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%
The Business Platinum Card® from American Express
The Business Platinum Card® from American Express
Intro Bonus
Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership.
Rewards Rate
5X
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
1.5X
Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
1X
Earn 1X Membership Rewards® point on all other purchases
Main Card Highlights
  • Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com.
  • Breeze through security with CLEAR® where available and get up to $179 back per year on your membership when you use your Card.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more.
  • Terms Apply.
  • See Rates & Fees
Annual Fee
$595
Authorized User Fee
$300 for each additional Business Platinum Card
Foreign Transaction Fee
0%

Listed below are the top bank rewards programs in the United States. These programs either offer rewards that have exceptional value when redeemed towards travel, rewards that can be transferred to other programs for great value, or offer top-rated credit cards that earn an excellent return on your spend. They are the typically the programs you will hear about the most.

Chase Points are worth 1.25 to 1.5 cents when redeemed towards Chase Travel depending on which card(s) you own. You can also transfer points to airline and hotel programs for greater value or redeem them for cash back at 1 cent each.
Capital One Miles have a value of 1 cent each when redeemed directly with Capital One for any kind of travel purchase. Miles can also be transferred to several airline and hotel partners for a chance at more value.
Citi Points have the best value when redeemed towards travel which will give you 1 cent in value. You can also transfer them to airline partners which mostly consists of international airlines.
Bank of America Points have a value of 1 cent each when redeemed towards any kind of eligible travel purchase. The biggest benefit of Bank of America cards is the 10% bonus for being a banking customer to up to 75% bonus for members with combined balances over $100,000.

Bank & Travel Rewards Programs

Calculate how many rewards you can earn based on your spend across credit cards offered by the bank and travel rewards programs listed below. Where applicable, you'll also be able to calculate the cash value of rewards based on redemption and the transfer of rewards to partners.

Comerica Rewards Points Calculators
Comerica Rewards Points Calculators
Three credit cards. Points earned are worth 1 cent each. Banking services are only available to TX, MI, AZ, CA, and FL.
Discover Miles Calculators
Discover Miles Calculators
One credit card. Miles can be redeemed for 1 cent each.
HSBC Points Calculators
HSBC Rewards Points Calculators
Three credit cards. Points are worth 1 cent each and can also be transferred to partners.
Luxury Card Points Calculators
Luxury Card Calculators
Three credit cards including one that is 24K-Gold-Plated. Points are worth 1 cent each and cards offer Mastercard and travel benefits.
PayPal Points Calculators
PayPal Points Calculators
One credit card. Points can be redeemed for 0.83 cents each towards cash back or put towards travel and other redemptions.
PenFed Points Calculators
PenFed Points Calculators
Two credit cards. Points are worth 1 cent each. Bonus points can be earned for members with Military service or certain PenFed accounts.
PNC Points & Miles Calculators
PNC Points & Miles Calculators
One credit card for both programs. Points are worth around 0.25 cent each and miles are worth 1 cent each.
TD Miles Calculators
TD Miles Calculators
One credit card. Points are worth 1 cent each.
USAA Rewards Points Calculators
USAA Rewards Points Calculators
Four credit cards. Points are worth 1 cent each. Services available to people and families who serve or have served in the United States Armed Forces.
U.S. Bank Altitude Points Calculators
U.S. Bank Altitude Points Calculators
Three credit cards. Points are worth 1 cent or 1.5 cents based on the card you have.
U.S. Bank FlexPoints Points Calculators
U.S. Bank FlexPoints Calculators
One credit card. Points are worth 1.5 cents when redeemed for travel. Can be converted to U.S. Bank Altitude Reserve Points.

Bank and Travel Rewards Credit Card Calculator

The Best Cards By Spend Calculator will give you an idea of which credit cards will offer you the most rewards based on your spend.

Results will be sorted by net return which is the average value of the rewards earned, plus annual credits, and minus annual fees.

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.
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Currently Selected:

Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Get The Best Cards to get the list of results.
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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.

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.
Results Will Appear Here

Finished Calculating Rewards?

Select one of the popular card categories below to get started on applying for the best credit cards in the market.

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