rewardspointscalculator.org Browse tools

Card finder · all categories

Find the credit card that earns you the most.

Slide the categories to match your actual monthly spending. Every card re-ranks instantly by estimated annual dollar value, net of the annual fee.

Total annual spend $0

How it works

Built to be trusted, not to sell

Step 01

You enter real spending

Five sliders, no signup, no data leaves your browser. Defaults approximate a median two-person U.S. household.

Step 02

We rank by dollar value

For each card: spend × multiplier (capped where applicable) × point value − annual fee. Sorted high to low.

Step 03

No affiliate pressure

Results aren't sorted by who pays us — we don't take payments. The math is open; see the methodology page.

Tune for your situation

Calculators by category

Groceries

Grocery Spend Optimizer

Best card when most of your spend is at the supermarket.

 Dining

Dining Rewards Maximizer

Restaurants, takeout, delivery, bars — weighed for frequent diners.

 Travel

Travel Card Finder

Flights, hotels, and trip spend for households that travel.

 Gas & transit

Gas & Commute Card Finder

Fuel, transit, and the daily commute.

 Everyday

Everyday Flat-Rate Finder

One card for people who don't want to track categories.

 All

Browse every calculator

Twelve tools and growing — comparisons, category bests, and specialty pages.

FAQ

Common questions

How does the ranking work?
For each card we multiply your monthly spend in each category by that card's earning multiplier, apply any per-category cap, sum across the year, multiply by an estimated point value, and subtract the annual fee. The card with the highest net annual value wins.
Where do the multipliers come from?
From each issuer's public marketing pages, verified within the last 30 days. Caps and excluded categories are modeled where published.
What about sign-up bonuses?
Not modeled. They're one-time, change frequently, and would distort steady-state comparisons. We show ongoing value, not a launch promotion.
Are point values conservative?
Yes — intentionally. We use the lower bound of published estimates from independent points sites so the calculator never over-promises.