Find Credit Cards That Earn You The Most Rewards

The Point Calculator
Check out our top credit card picks by category or use our credit card rewards calculator to find the right card for you based on your monthly spend.
By R.Flowers III

Calculate credit card rewards

Search our 250+ credit card database and calculate rewards per $1 spent based on the amounts you enter, the average value of the rewards, the transfer of rewards to partners, and the overall cash value of the card based on spend, benefits, and annual fees. Plus, compare up to two additional credit cards side-by-side.

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Our Top Picks By Category
Best Travel Credit Cards
Top Picks + Travel Rewards Calculator
Best Cash Back Credit Cards
Top Picks + Cash Back Rewards Calculator
Best Business Credit Cards
Top Picks + Business Rewards Calculator
Best No Annual Fee Credit Cards
Top Picks + Business Rewards Calculator
Our Top Picks By Bank
Best American Express Credit Cards
Top Picks + AMEX Rewards Calculator
Best Chase Credit Cards
Top Picks + Chase Rewards Calculator
Best Capital One Credit Cards
Top Picks + Capital One Rewards Calculator
Best Citi Credit Cards
Top Picks + Citi Rewards Calculator

Top credit card offers from our partners

Check out the top credit card picks from our partners which includes current sign up bonuses, credit score recommendations, card ratings, card reviews, and more.

Credit Card Finder
Travel Credit Card Offers
Credit Card Finder
Cash Back Credit Card Offers
Credit Card Finder
Rewards Credit Card Offers
Credit Card Finder
Business Credit Card Offers

Search for credit cards based on your spend

Input your monthly and yearly spend amounts into our rewards calculator to find the best credit cards for maximizing your points, miles, and cash back.

Loading Calculator...
If the calculator doesn't load after a few seconds, click here to re-load calculator.
Category Spending
Resets all fields in the Category Spending section for all columns. Also clears all saved spend values that carry from calculator to calculator.
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.
Type at least 3 characters.
Currently Selected:
Spend Region:
Income Requirement
Income Type
Select if you're looking for credit cards based on your own individual income or if you're looking for credit cards based on the income of the entire household.
Income Maximum
Select the maximum income requirement you want listed in your top picks.
Calculator Options
Personal & Business Cards
Select which type of credit cards appear in the results. You can choose from personal (consumer) credit cards, business credit cards, or both.
Include Intro Bonuses?
If set to yes, intro bonuses will be included in the calculations if you meet the monthly spend criteria based on what's entered into the tool. Do note that we do not have intro bonuses for all credit cards and we cannot calculate intro bonuses for some cards.

Find out which credit cards will offer you the most value based on the spend amounts you entered

No Results. This is usually due to:

  • There's no good card options based on the spend entered.
  • The calculator is having a brain-fart and is not calculating rewards properly.

Enter different values or try again later.


These estimates are to help guide you towards making the best decision when it comes to picking up a rewards credit card. They should be used for illustrative purposes only.

You can click on the estimated earnings to see the calculations or click on the card to learn more and apply for the card through our partners.

Do note that all spend amounts entered into the tool above will carry over to every credit card rewards calculator on the site, so there's no need to re-enter spend if you choose to dive deeper into calculating rewards for credit cards on the site.

Calculate Total Rewards & Card Value Per $1 Spent For 200+ U.S. Credit Cards
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