AI-Powered Travel Rewards Calculator

Discover which travel credit cards deliver the most value for your real-life spending. Our intelligent calculator analyzes your monthly expenses and ranks cards by estimated first-year value— factoring in bonuses, perks, and real-world reward redemptions.

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Top Cards Based on Your Spend

  • Capital One Venture X Business Card
    1. Capital One - Capital One Venture X Business Card (Business)
    Est. 1st Year:$2680.00
    Ongoing:$-95.00/yr
    (Rewards: $0.00 + Perks: $300.00 - Fee: $395) | Est. Points: 0 @ 1.00 CPP
    Bonus: Earn 150,000 miles after spending $30,000 in 3 months; earn an additional 200,000 miles after spending $200,000 total in 6 months (Value: ~$2775)
    Key Perks:
    • travel credit ($300/annual)
    • Access to Capital One Lounges and Priority Pass Select
    Read ReviewApply Now
  • The Business Platinum Card® from American Express
    2. American Express - The Business Platinum Card® from American Express (Business)
    Est. 1st Year:$2305.00
    Ongoing:$-95.00/yr
    (Rewards: $0.00 + Perks: $600.00 - Fee: $695) | Est. Points: 0 @ 2.00 CPP
    Bonus: Earn 120,000 Membership Rewards points after spending $15,000 in 3 months (Value: ~$2400)
    Key Perks:
    • travel credit ($200/annual)
    • dell credit ($400/annual)
    • Access to Amex Centurion, Priority Pass, and Delta Sky Club lounges
    Read ReviewApply Now
  • American Express® Business Platinum Card
    3. American Express - American Express® Business Platinum Card (Business)
    Est. 1st Year:$2005.00
    Ongoing:$-695.00/yr
    (Rewards: $0.00 + Perks: $0.00 - Fee: $695) | Est. Points: 0 @ 0.60 CPP
    Bonus: Limited-time offer: Earn 150,000 Membership Rewards® points after spending $20,000 in 3 months, plus a $500 statement credit after $2,500 in qualifying flight purchases within the same period (offer ends June 30 2025) (Value: ~$2700)
    Key Perks:
    • American Express Global Lounge Collection® access (Centurion, Priority Pass Select‡, Delta Sky Club when flying Delta, etc.)
    • Up to $400 back each year on U.S. Dell purchases ($200 Jan–Jun & $200 Jul–Dec, through 6/30/25) (~$400 value)
    • $200 annual airline incidental fee statement credit on one selected airline (~$200 value)
    Read ReviewApply Now
  • Ink Business Preferred® Credit Card
    4. Chase - Ink Business Preferred® Credit Card (Business)
    Est. 1st Year:$1750.00
    Ongoing:$-95.00/yr
    (Rewards: $0.00 + Perks: $0.00 - Fee: $95) | Est. Points: 0 @ 2.00 CPP
    Bonus: Earn 90,000 bonus points after spending $8,000 in 3 months (Value: ~$1845)
    Read ReviewApply Now
  • American Express Business Gold Card
    5. American Express - American Express Business Gold Card (Business)
    Est. 1st Year:$1705.00
    Ongoing:$-295.00/yr
    (Rewards: $0.00 + Perks: $0.00 - Fee: $295) | Est. Points: 0 @ 2.00 CPP
    Bonus: Earn 100,000 Membership Rewards® points after spending $15,000 in 3 months (Value: ~$2000)
    Read ReviewApply Now
  • Marriott Bonvoy Boundless® Credit Card
    6. Chase - Marriott Bonvoy Boundless® Credit Card (Personal)
    Est. 1st Year:$1505.00
    Ongoing:$-95.00/yr
    (Rewards: $0.00 + Perks: $0.00 - Fee: $95) | Est. Points: 0 @ 0.60 CPP
    Bonus: Earn 3 Free Night Awards (each night valued up to 50,000 points) after you spend $3,000 in purchases within the first 3 months, **plus** 50,000 Bonus Points after you spend $6,000 total within the first 6 months (Value: ~$1600)
    Key Perks:
    • Annual Free Night Award (valued up to 35,000 points) every account anniversary (~$200 value)
    • 12-month complimentary DoorDash DashPass (activation required; offer valid through 12/31/2027) (~$120 value)
    Read ReviewApply Now
  • Capital One Venture X Rewards Credit Card
    7. Capital One - Capital One Venture X Rewards Credit Card (Personal)
    Est. 1st Year:$1393.00
    Ongoing:$5.00/yr
    (Rewards: $0.00 + Perks: $400.00 - Fee: $395) | Est. Points: 0 @ 1.80 CPP
    Bonus: Earn 75,000 bonus miles after spending $4,000 in 3 months (Value: ~$1388)
    Key Perks:
    • travel credit ($300/annual)
    • Unlimited access to Capital One Lounges + Priority Pass Select
    • 10,000 bonus miles every account anniversary (~$100 value)
    Read ReviewApply Now
  • Capital One Venture Rewards Credit Card
    8. Capital One - Capital One Venture Rewards Credit Card (Personal)
    Est. 1st Year:$1055.00
    Ongoing:$-70.00/yr
    (Rewards: $0.00 + Perks: $25.00 - Fee: $95) | Est. Points: 0 @ 1.80 CPP
    Bonus: Earn 75,000 bonus miles after spending $4,000 in 3 months (Value: ~$1125)
    Key Perks:
    • global entry tsa precheck credit ($100/every 4_years)
    • 2 complimentary visits annually to Capital One Lounges or Plaza Premium Lounges (~$80 value)
    Read ReviewApply Now
  • Chase Sapphire Reserve® Card
    9. Chase - Chase Sapphire Reserve® Card (Personal)
    Est. 1st Year:$1005.00
    Ongoing:$-225.00/yr
    (Rewards: $0.00 + Perks: $325.00 - Fee: $550) | Est. Points: 0 @ 2.00 CPP
    Bonus: Earn 60,000 bonus points after spending $4,000 in 3 months (Value: ~$1230)
    Key Perks:
    • travel credit ($300/annual)
    • Priority Pass Select + Chase Sapphire Lounge access
    • global entry tsa precheck credit ($100/every 4_years)
    Read ReviewApply Now
  • British Airways Visa Signature® Card
    10. Chase - British Airways Visa Signature® Card (Personal)
    Est. 1st Year:$905.00
    Ongoing:$-95.00/yr
    (Rewards: $0.00 + Perks: $0.00 - Fee: $95) | Est. Points: 0 @ 1.00 CPP
    Bonus: Earn 85,000 Avios after $5,000 in 3 months (Value: ~$1000)
    Key Perks:
    • Travel Together Ticket after $30,000 spend per calendar year (~$500 value)
    Read ReviewApply Now

Frequently Asked Questions

How does this calculator estimate my rewards?

We analyze your real spending patterns across categories like travel, dining, groceries, and more. Then, we compare those against each card's earning rates, point values, perks, annual fees, and intro bonuses — to calculate your estimated first-year net value and ongoing annual rewards.

What is "First-Year Net Value"?

It’s the total estimated rewards + perks - annual fee + sign-up bonus you can realistically earn in the first year. We design this number to show you the true value — not just flashy points that are hard to redeem.

What is a good points value (CPP)?

Cashback: typically 1.0¢ per point.
Travel portal redemption: usually 1.25¢ to 1.5¢ per point.
Transfer partners (airlines/hotels): often 1.8¢–2.2¢ or higher if optimized.
We prioritize higher value redemption options when calculating your rewards.

Why do redemption strategies matter?

Because points are not always worth the same! Choosing cashback, portal travel booking, or transfer partners can change your rewards value by up to 80%. Our calculator lets you select your preferred strategy to match your real-world travel style.

Are these results personalized to me?

Yes — the results are based 100% on the monthly spending inputs you provide, your redemption preferences, and real card data including caps, perks, and fine print most sites ignore.

Can I trust these numbers?

Absolutely. We use transparent assumptions, real-world point values, and detailed card bonus rules — so you get realistic, expert-backed estimates, not marketing hype.

Should I apply for more than one card?

Sometimes! If your spending is high across multiple categories (like travel + groceries), using two complementary cards may maximize your total rewards. Our AI assistant can suggest smart multi-card strategies if your profile fits.

Updated for 2025. Analyzing 100+ U.S. travel credit cards with real-world rewards logic.