Calculate points for your card — or discover which card earns you the most flights
Dual Mode
Calculate or Compare
5 Categories
Spending inputs
Realtime
Points ranking
Step 1: Select Your Card
Select issuer first
🔍
How this works: Enter your annual spending below. We'll score every travel/points card in our database and rank the top 10 by Year-1 net value (flight value minus annual fee). Transfer partner cards are boosted because their points unlock premium redemptions.
Step 2: Enter Your Annual Spending
💰 Annual Spending
Total Annual Spend$0
⚙️ Settings
Leave blank to use card's published value
⚠️ Limited Data — This card has incomplete information. Results may use default values.
💡 Avg American spends ~$24k/yr on credit cards
💡 Travel cards average 2¢/pt via transfers
💡 Book 6–11 months out for award availability
⚠️ Important Disclaimer
Estimates Only
All calculations are estimates for planning purposes. Actual award availability, redemption values, and point requirements vary by airline, season, and route. Annual spending caps and rotating categories affect real-world results.
Always Verify
Verify current offers, signup bonus terms, and spending requirements with the card issuer before applying. Point values shown represent average redemption scenarios — transfer partner sweet spots can deliver 2–4x these values.
By using this calculator you acknowledge results are estimates only and you will verify all information with official card issuer sources before making any financial decision.
Calculating...
Add a Card to My Wallet
1
Identity
2
Balance
3
Dates
4
Rates
5
Rewards
6
Alerts
Step 1 of 6
Card Identity
Tell us which card you're adding — issuer, card name, type, and network so we can match it to our benefits database.
Why we ask
Matching your card to our database gives you automatic access to known benefits, terms, and rate ranges — no manual entry needed.
Step 2 of 6
Balance & Utilization
Your balance-to-limit ratio is one of the biggest factors in your credit score. We'll alert you before it gets too high.
Why we ask
Utilization above 30% can drop your score. We'll ping you before your statement closes so you can pay down first.
Step 3 of 6
Key Dates
Exact dates let us send perfectly-timed reminders — never miss a payment or get blindsided by an annual fee.
Why we ask
Statement close day and payment due day are different. Knowing both means we can help you lower reported utilization AND avoid late fees.
Step 4 of 6
Rates & Welcome Bonus
Track your specific APR and sign-up bonus spending progress. We'll alert you before the 0% intro period ends and before bonus deadlines.
Why we ask
Missing a bonus deadline or being surprised by a 29% APR after the intro period are two of the most costly credit card mistakes.
Step 5 of 6
Rewards & Benefits
Tell us your reward balance and which benefits you actually use. We'll alert you before points expire and flag perks you're missing out on.
Why we ask
The average cardholder leaves $300+/year in unused perks on the table. We'll make sure you're getting every dollar of value.
Step 6 of 6
Alert Setup
Choose exactly which alerts you want for this card. You can fine-tune timing thresholds in your main settings anytime.
Why we ask
Every card is different. A travel card needs different alerts than a 0% balance transfer card.
