Credit Card Combination & Rewards Calculator Tool

Search for credit cards by typing a keyword. This can be a card name, the bank issuer, the currency it earns, the network it belongs to, or the card's code.

Find the card you want, click on it, and you'll be shown the details of the card and be presented with several options.

• Add Card Categories: This will add the card's categories to the calculator. You can toggle which categories you want. Do note that if the category is already in the calculator, it will not add it.
• Change Card Name: This allows you to give the card a nickname (e.g. Wife's Platinum Card). This nickname will be used in most sections... useful if you add more than one of the same card to the same column/group.

You can then use the Add To Column section to select which column you want to add the card to. You can choose New Column or any of the already existing columns.

Click Add and it will be added to the tool.

All credit cards in the database have a code which is basically the "id" for the card. It is typically anywhere from 3 to 13 characters.

You can enter card codes in the available field. Here's the syntax:

• You can add multiple cards by using a plus sign (+). For example, putting PLAT+PRG2 would add The Platinum Card from American Express and the American Express Gold Card to the same column.
• You can then put cards in separate columns by using a comma (,). For example PLAT+PRG2,BINKP,CPREM2 would still put The Platinum Card and Gold Card in the first column, Ink Business Preferred in the second column, and Citi Strata Premier in the third column.
• If there's cards already in the calculator, you can skip columns by using empty entries. For example, if column 1 and 2 have cards in them, you can start with column 3 by entering two empty entries for those columns: ,,BINKP. That would skip column 1 and 2, and start with column 3. Note that you cannot skip empty columns.

As you enter valid codes, the tool will show you the cards they correspond to and which column they will be added to. Do note that these cards will be added to the cards that are already in the calculator tool (if any).

Once you've chosen the card you want, click Add Card(s) and they will be added to the calculator.

About Card Codes

The card codes weren't made for the public... I never thought I would use them, so some card codes may make no sense to you. I've been using the same codes for most cards since 2017/2018 and know most of them by heart (across all four countries this site covers). So I want to sincerely apologize in advance for some of the card codes in the system.

This is a list of currencies that have either been added by your hands manually or added automatically based on the cards present in the calculator. You can click Add Currency to search our currency list and add more currencies to the tool. Once added, they will be selectable in the Spend Categories section.

Once more than one currency is added, the conversions section will show itself. If you wish to change the conversion you can. It can always be reset to our default by pressing the Reset button.

Every column has a primary, set currency. By the time you get to the Total Column Value section at the bottom of the calculator, this is what the calculator will calculate the final value in. There are only four base currencies available at the time you are reading this: United States Dollar (USD), Canadian Dollar (CAD), British Pound Sterling (GBP), and Australian Dollar (AUD).

You can give any card a nickname. Useful for when you have the same card added to a column more than once. (e.g. Wife's gold card, son's black card).

If the card you're editing is not the only card in the column, you will be able to quickly assign the card to different categories in the calculator.

These are automatically based on the card added to the calculator. If a card's rewards are based on some kind of membership or other factor, that options will be listed under this section.

You can then toggle, select, etc. whatever option fits you best for the card.

Do note that some Memberships are calculated automatically, but a description will still be listed so that you know what's going on in the calculations.

This is specific to Hotel Loyalty programs. If you have status in any of the major programs we list, you can click Add Status and add it to the calculator. You'll then be able to toggle on which programs you want to toggle on, which column(s) you want to add them to, and the base currency.

These bonus rewards typically have no effect on results for individual credit cards (since you can have status with or without credit cards), but it provides a way for you to see the total amount of rewards you'll earn with status.

Do note that:

• If you add a card to a column that offers complimentary elite status (and we have it recorded as such in our database), it will automatically add the Loyalty to the calculator.
• Relevant spending categories for any given Loyalty program will automatically be added to the calculator. (e.g. If you add Marriott Bonvoy, the calculator will automatically add Marriott to the categories section... since you know, you can't calculate rewards without spending at the hotel brand).
• No given column can have the same Loyalty Program more than once. So if you make changes (e.g. status value based on) it will just edit what's in the calculator already.

This section allows you to add categories to the calculator. You can select as many categories as you wish.

Once you click the Add Categories button in this section, all selected categories will be entered into the calculator.

This section provides the ability to:

• Clear Spend from a specific column or all columns.
• Remove Credit Card Selections from a specific column or all columns. Do note that this has no impact on columns with one credit card.
• Remove All Categories from the calculator. You can then re-add whatever calculators you want using the Add Categories button.

If you have more than one card in a column, you'll have the option to choose which credit card you want to use for that specific category. Once you click the card, you'll be given all the credit card options for that column.

Once you select a card it will be marked as the card for that column by showing its picture under the Card Selected section.

You can also set the selected card to all the categories in a column... just a shortcut to quickly assigning cards to a column.

The spend section, which is located on the right side of each category, has two parts:

• ISO Code / Currency:

  This is a dropdown that allows you to select the currency of the spending. By default, it is set to the currency of the first card added to the column. You can add ISO codes using the Currency Controls section.

  Card's that have foreign transaction fees (FTF) will be impacted by this field. If applicable, the calculator will show the conversion if different from the base currency of the column.

• Spend & Time Field:

  Enter how much you plan on spending in the given category and set the occurrence using the dropdown. You can choose Monthly (spend per month) or Yearly (spend per year).