The Point Calculator: Calculate Credit Card Rewards
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Use The Point Calculator to calculate credit card rewards points, miles, and cash back.

Browse our U.S. database of over 240 credit card rewards calculators. Calculate both total rewards and card value based on the spend amounts you enter and how much you value card benefits, minus any annual fees.
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Want to know which credit cards will earn you the most rewards?

Use our Best Rewards Credit Card Finder Tool to view the highest credit card offers for top rewards programs and to calculate which credit cards will earn you the most points, miles, or cash back based on the spend amounts you enter.


Build your own credit card combinations — you can even compare two combos side-by-side!

Mix and match credit cards from different issuers and calculate total rewards across all credit cards in the combo.

Lots of customization options — add and remove categories, choose which cards you'll use for each category, toggle annual fees and specify authorized users, and much more.

The tool will breakdown the return and rewards earned for each card individually and for the entire combination.

Start Building & Comparing Credit Cards

Calculate the transfer of points and miles between programs worldwide!

Want to find out which programs your points and miles can be transferred to? Our Points & Miles Transfer Partner Calculator can help out.

Calculate the transfer of points and miles to all programs, a specific program, or anything in-between.

Want to know which programs will give you a certain amount of rewards? You can calculate that too!

Calculate Point & Mile Transfers

Convert points and miles to dollars — based on redemption!

For many programs, the value of your points and miles can vary based on how you use them. This is where our tool can come in handy.

It breaks down the average values based on redemption (when applicable). That way you will know how much your rewards are worth when using them for travel versus using them for gift cards or merchandise.

Calculate Points & Miles Value
Our Top Partner Credit Card Picks

Looking for the best of the best? We've ran the calculations for you and these are the best rewards credit cards for earning points, miles, and cash back. Click on a card to learn more through our partners or use our rewards calculators to find out how much you can earn based on the spend amounts you enter.

Capital One Venture Rewards Credit Card
  • Intro Bonus: 75,000 bonus miles
  • Best For Unlimited 2X Miles.
  • Up to $100 towards a Global Entry or TSA PreCheck application fee. $95 annual fee.
Capital One Venture Card Miles Calculator
Blue Cash Preferred® Card from American Express
  • Intro Bonus: $250 statement credit
  • Best Cash Back Card For U.S. Supermarket Purchases.
  • $95 annual fee. (See Rates & Fees)
Blue Cash Preferred Cash Back Calculator
Chase Sapphire Preferred® Card
  • Intro Bonus: 75,000 Bonus Points
  • Best For Flexible Travel Rewards.
  • 25% point value boost on travel booked through Chase, 10% bonus points every cardmember anniversary, and $50 hotel credit every cardmember anniversary. $95 annual fee.
Chase Sapphire Preferred Points Calculator
Capital One Venture X Rewards Credit Card
  • Intro Bonus: 75,000 bonus miles
  • Best Premium Card For Unlimited Miles.
  • $300 annual credit for bookings through Capital One Travel, 10,000 bonus miles each card anniversary ($100+ value), and lounge access. $395 annual fee.
Capital One Venture X Card Miles Calculator
Capital One SavorOne Cash Rewards Card
  • Intro Bonus: $250 statement credit
  • Best For Heavy Dining & Grocery Spending.
  • No foreign transaction fees. $0 annual fee.
Capital One SavorOne Cash Back Calculator
Capital One Spark Cash Plus
  • Intro Bonus: $1,200 cash bonus
  • Best Cash Back Card For Heavy Business Spend.
  • Receive a $150 annual fee refund every year you spend at least $150K. $150 annual fee.
Capital One Spark Cash Plus Cash Back Calculator
Ink Business Preferred® Credit Card
  • Intro Bonus: 100,000 Bonus Points
  • Best For Travel & Business Purchases.
  • 25% point boost towards travel booked through Chase Ultimate Rewards. $95 annual fee
Chase Ink Business Preferred Points Calculator
The Business Platinum Card® from American Express
  • Intro Bonus: 150,000 Points
  • Best For Lounge Access & Luxury Business Travel.
  • Over $1,400 in annual credits, complimentary global lounge access, 35% point rebate on airfare booked via AMEX Travel, and much more. Enrollment required for some benefits. $695 annual fee. See Rates & Fees
AMEX Business Platinum Points Calculator

Editorial Note: All opinions expressed on this site are my own and not those of any bank, rental car company, credit card issuer, hotel company, or any entity mentioned herein. Opinions, calculators, and other editorial content on this page have not been approved or endorsed by any entities on this site.

Advertiser Disclosure: This website is an independent, advertising-supported comparison service. We have financial relationships with some of the products and services found on this site and may be compensated if you choose to use any of these links. Some card offers that appear on this site are from companies from which this website receives compensation. This website does not include all card companies or all card offers available in the marketplace. This website may use other proprietary factors to impact card offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.

About These Calculators: These calculators are provided to help you estimate the value of points and miles, the calculations of rewards earned with credit cards, and the transfer of rewards between programs. They are for illustrative purposes only. They are meant to provide estimates and may not reflect the exact amount of rewards you will receive. Be sure to read the terms and conditions of credit cards and rewards programs before applying/signing up as benefit and perk changes may not be reflected immediately on this website.

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The Point Calculator is owned by RF3 LLC. This site is informational and meant to provide help in calculating points with various programs. The owner of this site is not a legal or tax professional and the statements and articles on this site are opinions of the owner and should not be relied upon for individual circumstances.

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