Credit Card Rewards Calculator
Slide your monthly spending in each category to see which card earns you the most — including welcome bonuses, annual fees, and ongoing rewards.
Monthly spending
$1,800/mo
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Free · No account needed · We may earn a commission if you apply
How this calculator works
We compare 12 credit cards across 6 spending categories: groceries, dining, travel, gas, streaming, and everyday purchases. For each card, we calculate:
- • Annual rewards — your spending × the card's rewards rate × the value of each point
- • Net annual value — annual rewards minus the annual fee
- • First-year value — net annual value plus the estimated welcome bonus value
Cards are ranked by first-year value by default. Points and miles are valued at their standard redemption rate (Chase Ultimate Rewards at 1.25cpp via Chase portal, Amex Membership Rewards at 1.25cpp, Capital One miles at 1cpp).