Credit Card Finder - Interactive Rewards Calculator

Credit Card Finder
Use our interactive rewards calculator to find credit cards that earn you the most cash back, points, and miles based on your spend. Compare results side by side to see which credit cards are the best fit for you.

Finding the best credit cards can be a challenge. There's lot of things you have to take into consideration such as the categories you spend in daily, the card benefits you enjoy most, and how you plan on redeeming your rewards.

This page will help point you in the right direction if you're looking for the best credit cards by giving you a few of our top picks by category as well as providing a calculator which will give you a list of the best credit card options based on your spend.

Search For Cards Based On Your Spend

Use the Search For Cards By Spend tool to get a list of up to 10 credit cards that will give you the best return based on your spend. You can add categories, select the type of rewards you're looking to earn, and whether you're looking for a personal or business card.

There's also advanced options in which you can adjust the spending duration (how many months out of the year you're going to use the card) and adjust the cash value of transferable rewards points from American Express, Chase, Citi, and Capital One.

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.
Loading Categories...
Currently Selected:
Type of spend for the selected category.

1. Enter How Much You Plan On Spending.

Enter your spend per month, year, or quarter for the listed categories. You can click 'Add Categories' to add additional spending categories to the calculator.

2. What Type of Rewards Are You Trying To Earn?

Select the type(s) of rewards you're looking to earn when using credit cards and we will grab the top-rated cards for that type. De-selecting all options will pull from all available credit cards available on the site.
Cash Back is one of the most flexible and easy-to-use currencies. It can be used towards just about anything.
Airline miles are great if you're looking to book free flights. They can be earned using co-branded airline credit cards or by using transfer partners.
Hotel rewards points can be used to book free nights at hotels. They can be earned using co-branded hotel credit cards or by using transfer partners.
There are flexible rewards that allow you to book a wide range of travel options including flights, hotels, cruises, car rentals and more. You can book travel directly through the bank's travel portal, transfer rewards to travel programs, or use rewards to wipe out travel purchases made to your card.
These are general rewards that can be used for just about anything. This includes gift cards, statement credits, travel, cash back, and more.

3. Are You Looking For A Personal or Business Card?

Choose the type of card you're looking for.
These are your standard consumer credit cards that you use for your personal, everyday purchases.
If you want to earn rewards on your business spend, business credit cards are the way to go.
If you don't have a preference, why not display both?

Spend Duration

You can set the duration of the spend for the categories listed above. If you're looking for the best card for only n-months worth of spend, this is where you change the option.

If you want to calculate based on a full year of spending, you can leave it set to a duration of '1 Year'.

Adjust Transferable Points

Some rewards programs allow you to transfer your earned points to airline, hotel, and other loyalty programs. These programs will generally have higher point values when doing such.

Since these matter so much when choosing a credit card, you can enter your own point value for these programs to include in the calculations.

When set to zero (0), they will calculate based on The Point Calculator's valuations. Any non-zero value you enter will be used in the calculations.

You can click on the to learn more about the value of the currency when applicable (opens in a new tab/window). Depending on the calculations, all programs listed below may not be featured in the results.

4. View The Results

Note: Results may take a few seconds to generate after doing a search. The results and values listed are estimates to help guide you towards making the best decision. They are for illustrative purposes only.
Results Will Appear Here
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