Credit Card Rewards Calculator

A points card pays a count, not a percentage, and the count only becomes money at redemption, so this works out both halves. The first action takes your monthly spend in each bonus category, the points per dollar, any annual spend cap and a sign-up bonus, and returns the points earned in a year, the blended points per dollar and the effective return once you say what a point is worth to you. The second action is where that figure comes from: enter what a redemption costs in points and the cash you would genuinely have paid instead, and it returns the cents per point and whether it beats simply taking the money, while a third says how long a points target takes at your rate of spending. Every multiplier, cap and valuation is one you enter, because there is no card database here and a stale one would quietly cost you money.