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Best Rewards Credit Card Finder Tool

Use our credit card finder tool to find out which credit cards will earn you the most points, miles, and cash back based on the monthly and yearly spend amounts you enter.

Welcome to the best credit card finder tool for calculating which credit cards will earn you the most points, miles, and cash back rewards. Jump To Credit Card Finder Tool

Credit Card Finder Tool

Use this tool to find the credit cards based on category or for a specific rewards program.

  • By Category: View a list of credit cards based on the category you selected. Categories are featured under General.
  • By Program: Select a program and the tool will output all co-branded credit cards as well as all direct transfer partners and, in some cases, in-direct transfer partners. Displayed credit card partners will show both the rewards in the default currency and the amount when converted.

Click on a card to learn more about it through our partners (when applicable) or use the rewards calculator to dive deeper into the calculations and compare the results along side any credit card of your choosing.

Rewards Calculator

The Rewards Calculator on this page can be used to find out which credit cards will earn you the most rewards based on the spend amounts you enter and the calculator options. The results will include all credit cards based on the category or rewards program you selected in the top half of the tool.

Do note that this calculator uses our average point/mile valuations, the intro bonuses we have in the database, and includes the maximum (calculable) bonuses for each card.

If you want Advanced Filter Tools and Customization Options including the ability to select which cards to calculate rewards for, change point/mile values, toggle and alter the value of bonuses, and much more, check out our Rewards Credit Card Directory & Calculator Tool.

I want to find the best
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Credit Card Rewards
Earn flexible rewards that can be converted into airline miles, hotel points, and other rewards. Best overall for value.
Flexible Travel Rewards
View the results for all major rewards programs — American Express and Royal Bank of Canada.
Airline Miles
Maximize your frequent flyer miles with a specific airline.
Hotel Rewards Points
Maximize your hotel rewards points with a specific hotel loyalty program
Other Rewards
Maximize your rewards with other various programs.
Credit Cards That Earn
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Rewards Calculator: Which Card Is Best For You?

Input your monthly and yearly spend amounts into our calculator to find out which credit cards will earn you the most rewards and best return on your spend.

Results will include all of the credit cards listed in the section above. They will be sorted by estimated card value with featured cards appearing first (if applicable).

Loading Calculator...
If the calculator doesn't load after a few seconds, click here to re-load calculator.
Calculator Options
Year 1 or Year 2+?
Year 1 - Calculate how much you will earn in your first year of being a cardmember. Includes Intro Bonuses (if toggled on) and will use the free or reduced first year annual fees for any cards that have them.
Year 2+ - Calculate how much the card will be worth the 2nd year and onward. Automatically turns off intro bonuses and will ignore first year free/reduced annual fees.
Include Intro Bonuses?
If set to yes, intro bonuses will be included for a card's calculation ONLY IF you have met the monthly spend criteria based on what's entered into the tool.
Do note that we do not have intro bonuses for all credit cards and we cannot calculate intro bonuses for some cards due to the complexity of some spend requirements.
Authorized Users
Some banks charge an additional fee to add family, friends, or employees to the credit card account. If you plan on adding authorized users to your credit card(s), you can enter that amount here.
Note: Some credit cards have a cap on how many authorized users you can add. While we do keep track of the fee structures, we do not keep track of caps. So be sure to check the rates and fees before applying.
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Max of 100.
Calculate Foreign Transaction Fees?
Many cards will charge you a foreign transaction fee when making purchases in a foreign currency. This is typically between 2.5% and 3% for most credit cards.
If set to yes, we will calculate the estimated fee for any spend entered into the calculator that is considered foreign. This amount will appear in the calculations as well.
Note: We do not have the foreign transaction fee rates for all credit credits.
Enter Your Monthly & Yearly Spend Amounts
Add Categories
Search our database of categories and add them to the calculator. You can select as many categories as you want.

Remove/Set Categories
Remove all categories from the calculator to start fresh or start with a set of popular predefined categories for personal or business spending.
Remove current categories and ADD: Supermarket, Restaurant/Dining, Gas Station, Transit, Travel, Online Shopping, Drugstore, Streaming, Cable, Wireless Phone, and Entertainment.
Remove current categories and ADD: Office Supply Store, Shipping, Advertisement, Gas Station, Restaurant, Phone, Internet, and Cable.
Removes all categories from the calculator.

Mobile Pay Option
The Mobile Pay option () only applies to credit cards that features bonuses or rewards that revolve around using Mobile Pay. When turned on, the category will count for both normal pay AND mobile pay. If a card has nothing to do with Mobile Pay, having it on or off will not make a difference.

Toggles the Mobile Pay option to on for all categories.

Toggles the Mobile Pay option to off for all categories.


Other Options

Clear all of the spend amounts entered into the calculator.


Results Will Appear Here

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

Listed below are the results based on what you entered into the tool above. These estimates are to help guide you towards making the best decision when it comes to picking up a rewards credit card.

You can click on "Show Calculations" to see a breakdown of how the rewards were calculated, click on the card itself to learn more/apply through our partners (big thanks if you do!), or click on any of the other links to learn more about the card and it's rewards.

Do note that some of the calculations are rounded so it is possible that the estimated values may be off by a point or two when added up.

Remember that this particular tool uses our point/mile valuations, the intro bonuses we have in the database, and includes the maximum (calculable) bonuses for each card. If you want to have control over these options and much more, slide over to the Rewards Credit Card Directory & Calculator.

These calculations should be used for illustrative purposes only.

Earn points paying rent with no transaction fee using the Bilt Mastercard®.

Redeem points towards future rent payments or transfer them to airline and hotel loyalty programs.

Earn status with Bilt Rewards and get treated like a VIP in your neighborhood with bonus points and access to exclusive benefits at local restaurants, fitness studios, and more.

Learn more