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All information about the American Express EveryDay® Preferred Credit Card, American Express EveryDay® Credit Card, American Express® Green Card, Business Green Rewards Card from American Express, and Southwest Rapid Rewards® Premier Credit Card has been collected independently by The Point Calculator and has not been reviewed by the issuer.

Rewards Credit Card Directory & Calculator Tool

Our database features over 230 U.S. rewards credit cards. Filter based on bank, rewards, fees, and much more. Compare cards and calculate rewards based on spend.
By: Robert Flowers III
Page Created: 08-26-2024

Welcome to our 2-in-1 rewards credit card directory and rewards calculator tool. Jump To Database Tool

The Directory Part

Browse our U.S. database of over 230 rewards credit cards. Filter by rewards earned, issuer, network, type, fees, and much more.

View all the important details of each card including earning rates, card benefits, annual fees, the value of rewards based on redemptions, and transfer partners (if applicable).

The Calculator Part

Once you find the cards you like, check mark them. You'll then be able to calculate which of the cards you've marked will earn you the most rewards based on the spend amounts you enter.

For each individual card, you have the option to adjust / add / remove intro bonuses, change the value of rewards, and adjust how much various card benefits are worth to you.

You will also be able to toggle between 1st Year Value and 2nd Year+ Value, specify authorized users or employee cards, and toggle on whether or not you want foreign transaction fees to be calculated on foreign purchases.

The Enjoy Part

Hopefully you find this tool to be useful and if so, please share it with others who also may find it useful.

This tool is still very much new, so if you run into problems with calculations or something isn't right please contact me on Facebook or Twitter. I'm also on Reddit as u/ThePointCalculator.

If you want a simpler, easier tool for finding rewards credit cards, check out our Best Rewards Credit Card Finder. It's fantastic for finding which cards will earn you the most rewards based on intro bonuses!

This is plastered everywhere but it must be said.
Card benefits can change at any time and these changes may not be reflected immediately on this website. Please be sure to read the terms and conditions of any credit card before applying.

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All Cards
Checkmark all available credit cards for this search type — matches and non-matches.
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Checkmark all credit card matches that are listed below (adds to already checked cards).
Only Visible Cards
Checkmark only the credit card matches listed below and uncheck all other cards.
All But Visible Cards
Checkmark all available cards for this search type that are not listed below (available non-matches / inverts selection).
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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.

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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
Category & Spend Options
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 and criteria 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. 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 allows for full customization of each of the cards below. If there are benefits that you do not find useful, you want to change the value of some perks, or anything else... you can find the card in the directory above, click on Show Details, and go to the Bonus & Credits tab.

These calculations should be used for illustrative purposes only.

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

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Learn more
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