Calculate
Turn your spend, earn rates, annual fee, usable credits, and point valuation into one annual result.
Run the mathCredit-card rewards, reduced to arithmetic
We show the numbers. You decide.
Put fees, usable credits, reward rates, and your normal spending into the same equation. CardMath keeps the assumptions visible and the decision with you.
Educational only. No individualized advice. Current card numbers only display after CardMath verifies them within its freshness window.
Quick math
What remains after fee, usable credits, and rewards?
Net from these assumptions
$0.00
No issuer data is loaded here. This is arithmetic on numbers you enter.
Start with a task
CardMath is a tool first, content hub second.
Use the same workflow whether you arrived from a short video, search result, or an issuer page.
Compare
Put two scenarios side by side under the same assumptions. CardMath shows the difference, not a winner.
Compare scenariosExplore cards
Browse the 13-card canonical set, see verification status, then open the issuer's live terms.
Browse databaseData discipline
If the row is stale, the number disappears.
The source-of-truth controls whether current fees, rates, offers, credits, APRs, and other volatile numbers are eligible to appear on CardMath.
- 01
Issuer source
Use the issuer or official program source whenever available.
- 02
Seven-day freshness
No current numerical claim is publishable unless the source-of-truth row is verified within seven days.
- 03
Human accountability
Automation can prepare the data and content. A stale or blocked row does not silently become a website claim.
The CardMath method
Three rules keep the math honest.
A credit is not cash
Count a listed credit only when you would actually use it without manufacturing spend.
A cap is not a target
A maximum eligible amount does not mean you should spend up to it.
Point value is an assumption
If rewards are points, use your own cents-per-point value. CardMath does not assign one for you.
Transparent by design