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.
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 CreditCard.com's CardMatch Tool to be matched with credit cards based on your credit profile.
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).
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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.
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?
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.