The Point Calculator U.S.
Calculate the dollar value of Reward Points, Miles, and Cash Back. Find the best credit cards based on your spend and compare results side by side.
Calculate rewards for U.S. credit cards based on your spend, how much you value card benefits, and annual fees. You can calculate total rewards for specific credit cards using our Credit Card Finder Tools or you can compare groups of credit cards using the Credit Card Comparison Tool. If you're not sure of what card to pick up, you can scroll through the Best Credit Cards By Category list to find the best cards for specific categories or merchants. I recommend using the Find Credit Cards By Spend if you want a general idea of which credit cards will give you the best bang for your buck based on your spend.
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Search For Credit Cards
Search for credit cards by keyword, spend, bonus category, or transfer partners. Once you find the card you're looking for calculate the cash value of the card based on your monthly/yearly spend, how much each card benefit is worth to you, and the annual fee. You can then compare the results side-by-side hundreds of credit cards.
Useful Tools & Guides
The tools and guides listed on this site can assist you with comparing credit cards side-by-side, transferring rewards between programs, and determining the cash value of rewards if you know the cost of your redemption.
Best Credit Cards By Category
Get a list of the best credit cards for different categories based on how much you spend per month or year in that category. Results feature direct links to credit card rewards calculators which allows you to calculate rewards based on your spend across all categories featured on a card and compare the results side-by-side other cards featured on the site.
Best Credit Cards By Airline
Trying to find the best ways to earn lots of airline miles with your favorite frequent flyer programs? Enter your spend across multiple categories to get a list of credit cards that earns you the best average return or the most frequent flyer miles. Transfer partner credit cards are included so you'll know the best rewards programs to go for when building your rewards.
Side By Side Comparisons
These side-by-side comparison calculators are already set up for calculate total rewards based on your monthly/yearly spend. These calculators consist of the top rewards cards along with any requests from readers and YouTube subscribers. You'll get a breakdown of bonus categories, card benefits, standard sign up bonuses, and annual fees.
Several calculators on the site are designed specifically for comparing groups of credit cards that are in the same family. These calculators allow you to change both columns in the calculator and compare any combination of cards in a family.
Most Popular Credit Cards
If you're not sure where to start, listed below are the most popular credit cards in the market as well as the most popular credit card calculators on the site. Click on any of the credit cards below to learn more about the bonus categories, perks & benefits, standard sign up bonuses, and fees. You can calculate total cash back, points, or miles you can earn and the cash value of the card based on your monthly/yearly spend, how much you value each card benefit, and the fees (annual and authorized user fees). You can then compare the results side-by-side against any credit card on the site. Any spend you enter into the credit card calculators will carry over to every page on the site, so you can jump page to page with no worry!
Reward Program Calculators
Get the details on earning, redeeming, and transferring rewards in different loyalty programs. You'll also find details on travel partners, buying rewards, earning status, credit cards, and much more.
New To Points & Miles?
If you're new to earning rewards, I recommend reading the two guides below to get started. This will give you the basics of understanding credit and how rewards programs work from my standpoint.
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What rewards calculators are available on the site?
Cash back, airline miles, hotel rewards points, cruise line points, store rewards cards, and bank rewards programs. Over 240 U.S. credit cards along with credit cards from other regions.
How does the calculators work?
You enter in your spend across different categories, plug in how much the card benefits are worth to you, and the calculator will output the estimated cash value of the card minus any annual fees it may have.
Can you compare cards side by side?
You can any two cards side by side based on your spend, card benefits, and annual fees. You can also factor in point transfers, hotel elite status, authorized user fees, and more.
Can you compare groups of cards?
Yes! You can use the Credit Card Comparison Tool to compare groups of credit cards side by side based on spend, benefits, and fees.
Do you have point transfer calculators?
Yes! You can calculate the transfer of points between major programs using the point transfer calculators throughout the site. You can also calculate how many points you can earn with partner credit cards.