Credit Card Comparison & Rewards Calculator Tool

Rewards Comparison Calculator
Compare any combination of credit cards side by side. Calculate rewards for 1-on-1 comparisons or build a combination of credit cards from different issuers to find out how much you can earn. You can also compare groups of credit cards to see which earns you the best return.
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Last Updated 2021-03-19

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

This tool allows you to build your own combination of credit cards and calculate the value of them based on your spend, how much you value the card benefits, and annual fees.

You can choose to calculate rewards for one combination or build two combinations and compare the results side by side to find out which works best for you.

If you're trying to come up with the best combination of cards or you want to estimate how much value you're getting out of the cards in your wallet, the Credit Card Comparison Tool will do the job.

Want To Calculate Rewards For A Single Card?

If you want to calculate rewards for a single credit card, the site has over 270 individual credit card rewards calculators. If you know the card you're looking for, you can type it in the field below.

You'll be able to calculate rewards based on spend, the value of card benefits, and annual fees. You'll also be able to compare the results side-by-side up to 2 credit cards to find out which cards are best for you.

Search Results Display Here

Don't Know Which Cards To Compare?

If you're don't have any credit cards in mind to compare, you can check out the lists below to see our top picks for the best credit cards by category.

You can also use our popular Credit Card Finder which will give you a list of the best credit cards based on your spend or use's CardMatch Tool to be matched with credit cards based on your credit profile.


If there's a card missing from the calculator that you want added, send the name of the card(s) to [email protected] or via Facebook or Twitter.

If it's a simple structured card, I should easily be able to add it to the database. Cards with complicated structures or rotating categories don't make for the easiest calculations, so keep in mind that some cards cannot be added.

The Credit Card Comparison Tool is specific to the United States, United Kingdom, Canada, and Australia. I'm open to requests for cards that earn United States Dollar (USD), Canadian Dollar (CAD), Australian Dollar (AUD), Euro (EUR), and Pound Sterling (GBP).

Report A Problem

If you're having issues trying to get something to work or you find a calculation is off, feel free to reach out to me on Facebook or Twitter. You can also email me at [email protected].

Credit Cards
Add Credit Cards
Card Selected: -

The Credit Card Comparison Tool

Build your best groups of credit cards and calculate away. If you find the calculator useful, help out the site by sharing this calculator with others who may need to compare some cards.

Calculator Options

General calculator options for your calculating needs.
Add Categories On Card Change
When set to On, adding a card to the calculator will add that card's bonus categories if they aren't already listed. You can toggle this to Off if you want to manually add all categories.
Column 2 Visible
When set to Show, both column 1 and column 2 will be shown. If set to Off, only column 1 will be shown.

Select A Credit Card

Search for a credit card using the options below. Once you select a card, you'll be able to add it to group 1, group 2, or both. You can toggle the annual fee, add authorized users, specify a sign up bonus, and insert any extra cash value you want to assign to the card.
Search Results Display Here
FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The authorized user fee of the selected credit card.
$ 0
SUB Sign Up Bonus
Enter the card sign up bonus if you want it factored in. The value pre-entered is the standard bonus.
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.

Add Card To Group(s)

Add the selected credit card to Group 1 or Group 2.

Added Cards

Listed below are the cards you've added to group 1 and group 2. You can click on the card to edit the fee, sign up bonus, and extra value amount. You can also remove the card from the list.
Group 1
Group 2
Edit Card in Group 1
FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The authorized user fee of the selected credit card.
$ 0
SUB Sign Up Bonus
If the card has a sign up bonus, you can enter it here. If you're unsure of the bonus, you can click the Learn More link by the card image to be taken to the issuer's website (in a new tab).
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.

Currency Worth

Points, miles, and cash back associated with the added cards for each group are listed below. You can click on either group to edit the the currency values or to change to reflect transfer partners.
Group 1
Group 2

Loyalty & Memberships

Hotel elite status, loyalty programs, and memberships. Defined in Currency Worth as [LOY].
/ Loyalty G1
/ Loyalty G2
Group 1
Group 2

Categories Spending

Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
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:
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay indicator from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobile pay indicator.
Group 1
Group 2

Reward Bonuses

Any extra bonuses to do with a specific card will be listed here.
Group 1
Group 2


The sum off all points, miles, and cash back earned for each group.
Group 1
Group 2

Monetary Bonuses

Total cash bonuses associated with the selected cards. You can change the value of those that feature the symbol. Other bonuses are automatic.
Group 1
Group 2

Annual Fees

This is the sum of the annual fee and authorized user fee for the cards added. Fees can be changed under the 'Added Cards' section.
Group 1
Group 2

Grand Total

The grand sum of earnings and fees for each card individually and for the entire column.
Group 1
Group 2

Learn More & Apply

View available offers and apply for credit cards. Application and partner links may not be available for all cards added to the Credit Card Comparison Tool.
Group 1
Group 2


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 other cards. Theres no limits.

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

Yes. You can enter your current credit cards, enter your spend, and how much the card benefit are worth to you to see which cards are offering you a good and bad return.

Which credit cards can I compare?

The site has over 250 U.S. credit cards for you to compare. We include credit cards no matter how good or bad they are. No biasness here. If it earns rewards, it's included.

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?

Any type. Cash back cards, cruise line cards, airline credit cards, bank rewards cards, hotel cards, gas station cards... you can mix and match and compare any combination of credit cards you wish.

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 the card directly from the calculator?

After you calculate your rewards and find the best card combinations for you, the application link for all cards will be listed at the bottom of the calculator.

Can I calculate rewards based on transfer partners?

Yes you can. If you're going to be transferring rewards to partners, calculate the rewards as if you transferred them based on the transfer ratio. For example, you can set AMEX Membership Rewards Cards to Hilton Honors Points to reflect the 1:2 ratio.

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