Rewards Calculator
Don't let credit card companies
decide what card you should get.
Let your spending do that for you!
Three steps. Two minutes. Real answers.
No account. No data stored. Just enter your spending and see your personalized card rankings instantly.
1

Enter Your Spending

Tell us how much you spend each month across categories like dining, groceries, gas, travel, and more. No account required — just your best estimates.

2

We Run the Numbers

Our calculator instantly runs your spending profile against today's top credit cards — comparing earn rates, annual fees, welcome bonuses, and real-dollar perk values.

3

See Your Ranked Results

Every card gets a total annual value score based on your specific spending. See exactly how much each card earns you, what it costs, and your net value.

Here's a preview of what your results will look like:

BEST FOR YOUR SPENDING
CARD ISSUER
VISA
•••• •••• •••• ••••
Valid Thru
12/28
Example Rewards Card
Major Bank · Travel Rewards
$95
Annual Fee
3x
Dining
2x
Travel
No
Intro APR
TravelBest ValuePoints Transfer
Welcome Bonus
60,000 pts
≈ $750 in travel
Spend $4,000 in first 3 months
+$847
net value / year
42,350 pts
Est. annual points earned
− $95 feeNet +$847/yr
CARD ISSUER
VISA
•••• •••• •••• ••••
Valid Thru
12/28
Example Rewards Card
Major Bank · $95/yr
Min score700
APR range19–28%
Per point1.5¢
WELCOME BONUS
60K pts
≈ $750
Tap for details ▾
Annual Rewards
$942
Net +$847
Points Earned
42,350
Breakdown ▾
CARD ISSUER
AMEX
•••• •••• •••• ••••
Valid Thru
12/28
Example Dining Card
Major Bank · Dining & Groceries
$325
Annual Fee
4x
Dining
4x
Groceries
No
Intro APR
DiningGroceriesPoints Transfer
Welcome Bonus
60,000 pts
≈ $600 in value
Spend $6,000 in first 6 months
+$712
net value / year
56,200 pts
Est. annual points earned
− $325 feeNet +$712/yr
CARD ISSUER
AMEX
•••• •••• •••• ••••
Valid Thru
12/28
Example Dining Card
Major Bank · $325/yr
Min score700
APR rangeCharge card
Per point1.5¢
WELCOME BONUS
60K pts
≈ $600
Tap for details ▾
Annual Rewards
$1,037
Net +$712
Points Earned
56,200
Breakdown ▾
CARD ISSUER
VISA
•••• •••• •••• ••••
Valid Thru
12/28
Example Premium Travel Card
Major Bank · Premium Travel
$395
Annual Fee
10x
Hotels
5x
Flights
No
Intro APR
TravelAirport LoungePremium
Welcome Bonus
75,000 miles
≈ $750 in travel
Spend $4,000 in first 3 months
+$631
net value / year
47,800 miles
Est. annual miles earned
− $395 feeNet +$631/yr
CARD ISSUER
VISA
•••• •••• •••• ••••
Valid Thru
12/28
Example Premium Travel Card
Major Bank · $395/yr
Min score740
APR range19–28%
Per point1¢
WELCOME BONUS
75K miles
≈ $750
Tap for details ▾
Annual Rewards
$1,026
Net +$631
Miles Earned
47,800
Breakdown ▾
22
Cards Compared
$800+
Avg. Left on the Table
2 min
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Advertiser Disclosure

MyCreditPerks may earn a commission when you apply for a credit card through links on this page, at no additional cost to you. Our card rankings are determined solely by the reward rates, fees, and estimated value shown — advertiser relationships do not influence results.

Disclaimer: Reward values are estimates based on publicly available card reward rates as of 2026. Points and miles are valued at standard redemption rates and actual value may vary. Credit score requirements are estimates — approval depends on your full credit profile. APR ranges are variable and subject to change. Welcome bonus offers are subject to change; verify current offer details on the issuer's website before applying. Always review full card terms before applying.