Calculator

Run your card math

Choose a card to load its current verified annual fee when available. Enter your own spending, usable credits, and rates for the categories you use. For points or miles, choose your own point valuation.

Choose a card

Fees remain editable. Changing cards resets the calculator inputs.

Reward type

Choose cash back or points/miles before calculating. Changing reward type clears rates and point valuation so they are not reused with different units.

Annual spend in one bonus category

USD

Dollars you already expect to spend in that category.

Cash-back rate for that category

Enter the rate for your chosen category. Account for issuer caps, exclusions, and booking requirements.

All other annual spend

USD

Purchases that earn the base rate in the terms.

Base cash-back rate

Use the all-other-purchases rate from the current terms.

Annual fee

USD

Choose a card to load its verified annual fee, or enter your own fee.

Credits you would actually use

USD

Count only value you would use without changing your normal behavior.

Your assumptions

Annual result

Your spending, rates, and usable credits, minus the annual fee shown. A current verified fee loads when available and remains editable.

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Choose a reward type and complete every amount. Enter 0 for spending or credits that do not apply; enter 0 for the rate of an unused spending category.

A positive or negative result describes these inputs. It is not a recommendation or suitability judgment.