Credit card rewards calculator for your spending

Most "best credit card" pages rank cards for a fictional average spender. A credit card rewards calculator should start with your categories—groceries, dining, travel, rent—and show which card actually earns more on that mix. MaxPoints is a free rewards optimizer: no signup, spending-based recommendations, built to answer "what's the best credit card for my spending?" without a spreadsheet.

Open the free calculator
Free No signup Spending-based

How it works

1

Enter how you spend

Add monthly (or yearly) spend by category—dining, groceries, gas, travel, rent, and the rest. Rough numbers are fine.

2

Compare earning power

Map that mix against current card rewards rates, fees, and (where relevant) welcome bonuses for annual value.

3

Get ranked recommendations

See which cards fit your wallet—and why.

Try the rewards calculator

Who it's for

What you can optimize

Everyday spend, dining/groceries, travel/transit, rent (Bilt where relevant), annual fee vs bonus tradeoffs. Results are estimates—not guarantees of points or approval.

Run your spending through the calculator

Why MaxPoints

Frequently asked questions

Is the MaxPoints credit card rewards calculator free?
Yes. The core calculator and optimizer are free to use.
Do I need to create an account or sign up?
No. You can run recommendations without signing up.
How is this different from a points blog or "best cards" list?
Most listicles rank cards for a generic spender. MaxPoints asks for your spending mix and ranks cards against that mix.
Does it include annual fees and welcome bonuses?
Where we have the data, recommendations account for earning rates and meaningful cost/benefit factors like annual fees and welcome bonuses.
Is this financial advice?
No. MaxPoints is an educational tool. Confirm details with the issuer before you apply.
Will you sell my spending data?
You don't need an account to use the calculator. Review the privacy policy on the site for how we handle site data.
Open the free credit card rewards calculator

Stop optimizing for someone else's budget. Plug in your categories, compare cards on real value, and pick the next card—or the next tweak to your wallet—with less guesswork.

Open the free calculator