Frequently Asked Questions

Yes, completely. There’s no sign-up, no subscription, and no cost to use the calculator. Ever.

No. The calculator works entirely in your browser. You don’t need to log in, register, or provide any personal information to get your results.

Results are as accurate as the spending data you enter and our card data. We source earn rates, annual fees, welcome bonuses, and benefit values directly from card issuers and update them regularly. That said, card terms change — always verify directly with the issuer before applying.

Annual figures give you the clearest picture of a card’s real value. Monthly rewards can look small in isolation — seeing the full year makes it easier to compare the difference between cards.

Estimates work great. Use round numbers — your results will still show you clearly which cards are worth considering. Not sure where to find your spending totals? Click the “Where do I find my spending numbers?” link below the spending inputs and we’ll walk you through it for any major bank.

Every card is ranked by its estimated net annual value based on your spending: The card with the highest net value for your inputs ranks first. No exceptions.

Yes — that’s the whole point. A card that earns 4x on dining will rank much higher for someone who spends heavily at restaurants than for someone who rarely eats out. The ranking is personal to you.

Always-on perks are credits that apply automatically every year — like the Chase Sapphire Reserve’s $300 travel credit or the Venture X’s anniversary miles. These are included automatically.

Optional perks — like lounge access, DoorDash credits, or streaming subscriptions — require active use. Check the ones you actually use in the “Services You Use” section.

We use widely accepted industry valuations:

• Chase Ultimate Rewards points: ~1.5¢ per point
• Amex Membership Rewards points: ~1.5¢ per point
• Capital One Miles: ~1.0¢ per mile
• Cash back cards: face value (1¢ per point)

These are conservative estimates. Points can be worth significantly more when transferred to airline or hotel partners.

Some cards — like the Chase Sapphire Reserve, Amex Platinum, and Capital One Venture X — let you transfer points to airline and hotel programs at a 1:1 ratio. Transferred points can often be worth 2–3x more than the base value we use in our calculator.

No. The calculator runs entirely in your browser. Your spending inputs are never transmitted to our servers. When you close the tab, the data is gone.

No. We don’t collect personal financial data to sell. See our Privacy Policy for full details on what limited data we do collect (standard web analytics) and how it’s used.

Yes. We never ask for account numbers, Social Security numbers, passwords, or any sensitive financial credentials. The calculator only needs rough spending estimates — information that exists entirely in your browser session.

We review and update card data regularly. However, credit card terms change frequently — earn rates, annual fees, and benefits can change without notice. Always confirm current terms on the card issuer’s website before applying.

We currently feature 12 of the most popular consumer credit cards. We’re adding more over time. If you’d like to see a specific card added, let us know at contact@mycreditperks.com.

We may earn a commission when you apply for a card through a link on our site. This never affects how cards are ranked — our algorithm only looks at your spending data and each card’s actual numbers.