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Browse our credit card rewards calculators to find credit cards that earn you the most points, miles, or cash back based on the spend amounts you enter. Compare top credit cards, view current signup bonuses, and get matched with the best credit cards for you.
If you're not looking for anything specific and want to calculate rewards for multiple categories at once, use the credit card rewards calculator at the bottom of this page.
Find Credit Cards By Bank
Have a preferred bank? Check out our top credit card picks by bank and calculate which credit cards will earn you the most rewards with that bank.
They say 'Cash is King'. Find out which credit cards wear the crown when you input your spend and our calculators output the best cash back credit cards for your wallet.
Looking to earn miles with a specific frequent flyer program? Get our top picks for earning airline miles and calculate which credit cards will earn you the most miles in the frequent flyer program based on the spend amounts you enter. Includes transfer partner credit cards!
Maximize your hotel rewards points with any program by checking out our top picks and calculating which credit cards earn you the most points in any given hotel loyalty program. Includes transfer partner credit cards!
Use this calculator to find out which credit cards will earn you the most points, miles, and cash back based on the spend amounts you enter into the tool. This calculator will output results for multiple categories at once, including:
Travel Credit Cards
Cash Back Credit Cards
Rewards Credit Cards
Airline Credit Cards
Hotel Credit Cards
No Annual Fee Credit Cards
No Foreign Transaction Fee Credit Cards
You'll be able to tab through each category and review the best cards for each. You can then click on a card to learn more about it as well as apply for it through our partners.
Input Your Monthly & Yearly Spend
Estimate how much you plan on spending monthly and yearly across your rewards credit cards and enter those values into the tool by category.
You can add categories using () as well as remove categories as you see fit.
There's no limit to the amount of categories you can add to the tool, so be sure to cover all the categories that you spend most in every year.
Get Results
Once you click search, the tool will go through each of our partner credit cards, estimate total points, miles, or cash back, and calculate the overall average card value based on those rewards, annual credits, and annual fees.
The tool will output up to 10 credit cards for each of the credit card categories listed which includes travel, cash back, no annual fee, and several other popular card types.
When applicable, it will also show the current intro bonus for the card which is calculated in the results only if the criteria has been met. Intro bonuses can also be turned off if you want to calculate card value for the second year and onward.
You can click on Learn More to get additional details about the card in a new window through our partners. That way you can browse the benefits of any cards that you're interested in without worry about losing your search results.
Breakdown & Deeper Dive
Click on the total rewards or card value for any of the cards to get a breakdown of how everything was calculated. It will also display some additional information along with links to learn more about the rewards the card earns.
You'll also be able to jump to the card's Rewards Calculator to calculate rewards on an even deeper level including the ability to change point/mile values, change the cash value of annual benefits, specify authorized users, select program membership and elite status levels, and compare up to two credit cards from any issuer side-by-side.
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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 spend criteria based on the monthly required spend. Do note that we do not have intro bonuses for all credit cards featured on the site.
Find out which credit cards will offer you the most value based on the spend amounts you entered
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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.
Results
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.
Best Credit Cards
Listed below are up to 10 of the best rewards credit cards based on the spend amounts you entered (when applicable).
Travel Cards
Travel credit cards are great for building rewards redeemable towards a wide variety of travel including airfare, hotels, car rentals, cruises, and more. Most travel cards also offer a range of benefits that can make your trips more enjoyable and save you money.
Cash Back Cards
Cash back is one of the most flexible form of rewards and most easy to understand. Rewards earned are worth face value and they can be used towards almost anything.
Rewards Cards
If you're looking to earn a solid return on your spend, rewards credit cards are the way to go. These cards offer general rewards that can be used towards a number of different redemptions including cash back, statement credits, travel, gift cards, and more.
Airline Cards
These are the best credit cards if you're looking to use rewards towards award flights. Co-branded credit cards offer benefits such as lounge access the ability to earn qualifying miles through spending.
Hotel Cards
If you're looking to use rewards towards free nights at hotels, these are the best cards for you. Many co-branded hotel cards offer great benefits such as annual free nights, complimentary elite status, and more.
No Annual Fee Cards
If you're looking to minimize your immediate costs while still earning plenty of value, you may want to consider a credit card with no annual fee. Some of these cards also offer lower interest rates and balance transfer offers.
No Foreign Transaction Fee Cards
When you make a charge with your credit card outside of the U.S., many card issuers will charge you a foreign transaction fee which is typically around 3% of the purchase price. Luckily, many credit cards waive foreign transaction fees which is great if you're looking to earn rewards on international spending and travel.
Calculate Total Rewards & Card Value Per $1 Spent For 200+ U.S. Credit Cards
