Credit Card Points Calculator
This calculator is designed to help analyze cashback credit cards and reward points programs. The primary assumptions of this calculator are that you do not carry a balance on the credit card, and that you pay off the balance within the card's no-interest grace period.
What you can do with this credit card rewards calculator
- View estimated rewards for usage
For both cashback and points cards, you can view an estimate of effective rewards dollars accumulated on a yearly basis.
- Calculate how long it'll take to reach a goal
Given effective annual rewards dollars, you can calculate how long it will take to reach a goal amount of reward dollars or reward points.
- Compare rewards program merchandise to market value
If you have a reward points credit card, you can compare the cost in reward points of merchandise to the market value. This enables you to decide if it's better value to choose gift cards over merchandise.
- Compare multiple credit cards side-by-side
Do all of the above while comparing the performance of two separate credit cards.