Credit Card Rewards Calculator
Enter your monthly spending and card rewards to estimate your annual cash back, points value, and best card for each category.
Educational estimate only. Not financial advice. Rewards are not worth carrying a balance.
Monthly spending
Enter your typical monthly card spending by category. Use estimates, not sensitive account data.
Your preference
Pick how much wallet complexity you are willing to manage.
Balance behavior
Rewards are most useful when you avoid interest.
Your cards
Edit the example cards or add your own. Reward rates are percentages for cash back and points per dollar for points cards.
Flat 2% Cash Back Card
Only used for points cards.
Cash back rate by category
Grocery and Dining Card
Only used for points cards.
Cash back rate by category
Travel Points Card
Only used for points cards.
Points per dollar by category
Frequently asked questions
How do I calculate credit card rewards?+
Multiply annual spending in each category by the card reward rate. For points, multiply points per dollar by the estimated cents-per-point value.
Is cash back better than points?+
Cash back is simpler because the value is direct. Points can be worth more or less depending on redemption rules, transfer partners, and how you use them.
Are annual fee cards worth it?+
An annual fee card may be worth it when the extra rewards and usable benefits exceed the fee. This calculator subtracts annual fees for cards used in the setup.
What if I carry a balance?+
Rewards usually do not make up for interest charges. If you carry a balance, payoff planning or a lower-interest option may matter more than rewards.
How many rewards cards should I use?+
It depends on how much complexity you want. A simple card can be close enough for some people, while category bonuses may add value for high spending categories.
Does this calculator recommend specific cards?+
No. It works with the cards and assumptions you enter. It does not list real card offers or invent card partnerships.