Credit Card Comparison & Rewards Calculator Tool

Rewards Comparison Calculator (4.0v)
Compare and calculate rewards for over 200 of the best credit cards in the U.S. side by side based on spend, the value of card benefits, and annual fees.

Welcome to The Point Calculator's Credit Card Comparison Tool!

Use this tool to calculate rewards and the cash value of one or more credit cards side by side based on spend, card benefits, and annual fees.

You can choose to calculate rewards for a single combination of credit cards or build two combinations of credit cards and compare the value of both combos side by side to see which is best for you.

If you don't have any cards in mind to compare or you need somewhere to start, check out our Credit Card Finder Tool or Business Credit Card Finder Tool!

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What are the features of this comparison tool?

You can compare credit cards side by side based on your monthly/yearly spend, how much you value card benefits, and annual fees. You can toggle transfer partners, add authorized users, select hotel elite status, and much more.

How many cards can you compare at once?

You can compare any amount of cards side by side. You can compare 1 card versus another, 3 cards versus 5 cards or, even 10 cards versus 10 cards. There is no limit.

Can I calculate the cash value of the cards in my wallet?

Yes. You can add your current credit cards to the calculator and find out which cards are offering you a good and bad return.

Which credit cards can I compare?

The site has over 200 U.S. credit cards for you to compare.

A credit card that I want to compare is missing. How do I get it added?

Message me on Facebook or Twitter and let me know. Most cards only take me a few minutes to add to the comparison tool (unless it has some kind of complex earning structure).

What types of cards can I compare?

You can compare any type of credit cards side by side.

Can I add the same card to the same group more than once?

Yes! The calculator supports the ability to add duplicate cards as well as duplicate categories for even more customization.

Can you apply for cards directly from the calculator?

After you calculate your rewards and find the best card combinations for you, you can check out the top offers from our partners. Do note that our partners do not offer links for every card this site covers.