Credit Card Points & Rewards Value Calculator
Which card is best for you? Our free credit card points value calculator uses your spending to compare the real-world value of rewards, perks, and bonuses from top cards.
Select Up to 3 Cards to Compare
Enter Your Estimated Monthly Spending
How We Calculate Estimated Value
This tool acts as a comprehensive points calculator for your credit card options. It provides an estimated annual value by processing your personal spending against each card's specific rules. We consider everything from simple credit card points to cash conversions to complex travel redemptions.
Frequently Asked Questions
How does this credit card points calculator work?
Our calculator estimates value by matching your monthly spending to each card’s bonus categories, applying the point multiplier, and converting points to a dollar value using our latest Cents-Per-Point valuations. It also includes perk values and subtracts annual fees.
How do you calculate credit card points value?
The value of credit card points is calculated with a simple formula: Total Points × Cents Per Point (CPP) Value = Total Value. Our tool automates this by using our researched CPP valuations for redemption options like cash back, travel portals, or transfer partners.
How do I calculate how many reward points I will earn?
You can estimate the reward points you will earn by multiplying your spending in a specific category (e.g., $500 on dining) by the card's points multiplier for that category (e.g., 3x points). Our calculator does this for all spending categories automatically.
Which credit cards are included in the comparison tool?
The tool covers 50+ of the most popular U.S. travel, airline, hotel, and premium cash-back cards. Our database is updated weekly from issuers’ official sites to ensure accuracy.