Rewards Credit Card Directory & Calculator Tool

Our database features over 200 U.S. rewards credit cards. Filter based on bank, rewards, fees, and much more. Compare cards and calculate rewards based on spend.

Welcome to our 2-in-1 rewards credit card directory and rewards calculator tool.

Browse over 200 credit cards and calculate rewards for any selection of credit cards all at once.

The Directory Part

Browse our U.S. database of over 230 rewards credit cards. Filter by rewards earned, issuer, network, type, fees, and much more.

View all the important details of each card including earning rates, card benefits, annual fees, the value of rewards based on redemptions, and transfer partners (if applicable).

The Calculator Part

Once you find the cards you like, check mark them. You'll then be able to calculate which of the cards you've marked will earn you the most rewards based on the spend amounts you enter in the calculator at the far bottom of this page.

For each individual card, you have the option to adjust / add / remove intro bonuses, change the value of rewards, and adjust how much various card benefits are worth to you.

You will also be able to toggle between 1st Year Value and 2nd Year+ Value, specify authorized users or employee cards, and toggle on whether or not you want foreign transaction fees to be calculated on foreign purchases.

The Enjoy Part

Hopefully you find this tool to be useful and if so, please share it with others who also may find it useful.

This tool is still very much new, so if you run into problems with calculations or something isn't right please contact me on Facebook or Twitter. I'm also on Reddit as u/ThePointCalculator.

If you want a simpler, easier tool for finding rewards credit cards, check out our Credit Card Rewards Calculator and Business Credit Card Rewards Calculator. It's fantastic for finding which cards will earn you the most rewards based on intro bonuses and your day-to-day spending.

This is plastered everywhere but it must be said.
Card benefits can change at any time and these changes may not be reflected immediately on this website. Please be sure to read the terms and conditions of any credit card before applying.

Rewards Credit Card Directory & Calculator

Filter Select Options Calculator

Show Checked Cards Only

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All Cards

Checkmark all available credit cards for this search type — matches and non-matches.

All Visible Cards

Checkmark all credit card matches that are listed below (adds to already checked cards).

Only Visible Cards

Checkmark only the credit card matches listed below and uncheck all other cards.

All But Visible Cards

Checkmark all available cards for this search type that are not listed below (available non-matches / inverts selection).

Uncheck All Cards

Uncheck all credit cards for this search type — matches and non-matches.

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Rewards Calculator: Which Card Is Best For You?

Input your monthly and yearly spend amounts into our calculator to find out which credit cards will earn you the most rewards and best return on your spend.

Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.

Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.

Currency Controls

Currencies

Sections of the calculator allows you to choose a currency. You will be able to choose from the options below. If you want more options, add them!

Currency Conversions

This site's currency rates update once per hour. If you have a different exchange rate in mind for any of the added currencies, you can change the rate here.

Calculator Options

Year 1 or Year 2+?

Year 1 - Calculate how much you will earn in your first year of being a cardmember. Includes Intro Bonuses (if toggled on) and will use the free or reduced first year annual fees for any cards that have them.

Year 2+ - Calculate how much the card will be worth the 2nd year and onward. Automatically turns off intro bonuses and will ignore first year free/reduced annual fees.

Include Intro Bonuses?

If set to yes, intro bonuses will be included for a card's calculation ONLY IF you have met the monthly spend criteria based on what's entered into the tool.

Note: We do not have intro bonuses for all credit cards (mainly partners and popular credit cards), and we cannot calculate intro bonuses for some cards due to the complexity of some spend requirements.

Rewards Value

Input how much you value Rewards. This will be the value used in the calculator. Leave it blank if you want to use our valuation.

$0.0000 per point

Authorized Users

Some banks charge an additional fee to add family, friends, or employees to the credit card account. If you plan on adding authorized users to your credit card(s), you can enter that amount here.

Note: Some credit cards have a cap on how many authorized users you can add. While we do keep track of the fee structures, we do not keep track of caps. So be sure to check the rates and fees before applying.

Max of 100.

Income Maximum

Select if you're looking for credit cards based on your own individual income or if you're looking for credit cards based on the income of the entire household -AND- select the maximum income requirement you want listed in the results.

Income Type

Income Amount

Calculate Foreign Transaction Fees?

Many cards will charge you a foreign transaction fee when making purchases in a foreign currency. This is typically between 2.5% and 3% for most credit cards.

If set to yes, we will calculate the estimated fee for any spend entered into the calculator that is considered foreign. This amount will appear in the calculations as well.

Note: We do not have the foreign transaction fee rates for all credit cards.

Monthly/Yearly Spending

Add Categories

Search for categories and click 'Add Category' to add selected categories to the calculator.

Show selected categories

When On, only shows currently selected categories.

Show category descriptions

When On, shows the descriptions for each of the categories.

Results Will Appear Here

No Results!

This is usually due to:

There's no good card options based on the spend and criteria entered.
The calculator is having a brain-fart and is not calculating rewards properly.

Enter different values or try again later.

Results

Listed below are the results based on what you entered into the tool above.

These estimates are to help guide you towards making the best decision when it comes to picking up a rewards credit card. Do note that some of the calculations are rounded so it is possible that the estimated values may be off by a point or two when added up.

Remember that this particular tool allows for full customization of each of the cards below. If there are benefits that you do not find useful, you want to change the value of some perks, or anything else... you can find the card in the directory above, click on Show Details, and go to the Bonus & Credits tab.

These calculations should be used for illustrative purposes only.

Rewards Credit Card Directory & Calculator Tool

The Directory Part

The Calculator Part

The Enjoy Part

Rewards Credit Card Directory & Calculator

Search Type

Issuing Bank

Credit Card Partners

Card Network

Card Type

Fees

Personal / Business

Income Requirements

Miscellaneous Options