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.

The Credit Card Finder Tool will calculate which credit cards earn you the most rewards based on your spend spend, the value of card benefits, and annual fees.

Calculations for points and miles will be based off of how much The Point Calculator value them on average while cash back is based off face value.

The average value of card benefits will depend on the card itself. Most credits will calculate at face value with only a few exceptions (e.g. cards that feature an overabundance of credits in which could prove a challenge to use them all).

You can use this tool to help point you in the right direction if you're looking for the best credit cards that fit your spend habits. You can then click on a card to check out the details as well as calculate rewards on a more in-depth, personal level and compare the results side by side up to 2 U.S. credit cards featured on the site.

Only top-rated credit cards will be listed. If you want to calculate rewards for a specific credit card, you can use the credit cards search on the home page.

Non-Rewards Cards

Credit cards that do not earn points, miles, or cash back will not be featured in the results and are not featured on the site. If you're looking for non-rewards cards, you can check out the links below from our partners.

Business Cards

If you're looking for the best business card based on your business expenses, please use the Credit Card Finder Tool located under Business Credit Card Rewards.

Search For Cards By Spend

Enter how much you spend in each of the categories listed below on a monthly or yearly basis. You can click the to add additional spend categories if needed.

Once done, you can click on Search For The Best Cards to get a list of credit cards that match up with your spend habits.

Loading Calculator...
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.

No Results. This is usually due to:

  • There's no good card options based on the spend entered.
  • The calculator is having issues calculating rewards.

Enter different values or try again later.


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.

All credit card links listed below will open in a new tab/window so that you will not lose your search results and all spend entered in the fields above will carry over to every credit card rewards calculator on the site so there's no need to re-enter spend.

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