Credit card rewards calculator
Stop leaving money
on the table.
Most people use the wrong card for their spending habits. Enter your monthly numbers — we'll show you exactly which card earns the most, after fees.
15 cards compared·Net value after fees·Free, no signup
Monthly spending
$1,800/mo
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$
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Free · No account needed · We may earn a commission if you apply
How the math works
01
Category-matched rewards
A 6% grocery card beats a flat 2% card once you spend $200+/mo at supermarkets — even with a $95 fee. The right card depends entirely on your split.
02
Welcome bonuses count
First-year value often doubles ongoing rewards. A no-fee card with a $200 bonus can beat a premium card's first year. We include this automatically.
03
Net value only
Annual fees are subtracted before showing you anything. If a $95 card earns $300/yr, you see $205 — not $300. Apples to apples.