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Calculator

One scenario’s yearly value

Example numbers. Change them to yours.

If CardMath checked this card’s terms recently, its fee and rates fill in. Your spending stays yours.

USD

What you expect to earn in rewards each year, in dollars. Not sure? Work it out from your spending under “See the details.”

USD

What the card charges each year. Enter 0 if none.

USD

Money back on your bill for specific purchases. Count only what you’d use. Enter 0 if none.

With these numbers, this card’s rewards and credits come to $165 more than its yearly fee.

See the details
How this card pays you

Points mode asks what one point is worth. Miles mode asks what one mile is worth.

Spending and rates

These rates are your estimates.

USD

Like groceries, dining, or gas, if this card pays more there.

%

Cash back as a percent of that spending, like 3%.

USD

Everything else you’d put on this card.

%

Cash back as a percent of everything else, like 1%.

USD

What the card charges each year. Enter 0 if none.

USD

Money back on your bill for specific purchases. Count only what you’d use. Enter 0 if none.

How this works

Yearly value after the fee is rewards on spending that earns extra, plus rewards on everything else, plus credits you’d actually use, minus the yearly card fee. Cash back rates are percents. Points and miles use what one point or mile is worth; the example uses 1 cent, so the result matches the cash-back example until you change it.

Switching how this card pays you keeps the rates you already entered for that choice. The first visit to points or miles loads an example. Caps, exclusions, and portal bonuses stay outside this worksheet.

The result describes these inputs. Read the method.

Example spending and rates

Yearly value after the fee

$165.00

Rewards plus credits you’d use, minus the fee, under these numbers.

Rewards $260.00 + credits $0.00 − fee $95.00

Show the pieces
Rewards on extra spending
$180.00
Rewards on everything else
$80.00
Credits you’d actually use
$0.00
Yearly card fee
−$95.00

These rates are your estimates.