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Credit card rewards calculator for your spending

Most "best credit card" pages rank cards for a fictional average spender. Put in your monthly spending and MaxPoints ranks the cards that earn the most on that mix, after annual fees. Free, no signup.

Your monthly spending

Personal cards, ongoing value after annual fees. The full calculator adds more categories, business cards, credits and cards you already have.

Best cards for these numbers

  1. 1. Bilt Obsidian Card (Dining) Best fit for how you spend, led by Rent at 1.2x and Dining at 3x. $1,086 /yr
  2. 2. American Express Gold Adds extra value mainly on Groceries at 4x after your top card. $251 /yr
  3. 3. Citi Strata Premier Adds extra value mainly on Gas at 3x after your top card. $78 /yr
See the full breakdown

How it works

  1. Enter how you spend

    Monthly spend by category: dining, groceries, gas, travel, rent and the rest. Rough numbers are fine.

  2. Compare earning power

    That mix is run against current earn rates, caps, fees and, where relevant, welcome bonuses.

  3. Get ranked recommendations

    See which cards fit your wallet, why, and what each adds on top of the others.

Try the full rewards calculator →

Best credit card by category

The best card still depends on your mix. Each guide has its own quick calculator and a shortlist.

Is your card worth it?

Check a flagship annual fee against the credits you’d actually use.

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Moving points to a partner? See active transfer bonuses before you transfer.

Compare two cards

Head-to-head calculators: enter your spend and see which card wins and where the break-even is.

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Applying for Chase? Check Chase’s 5/24 rule first.

Popular credit card guides

In-depth, regularly updated guides to the cards people ask about most.

Browse all guides →

Why MaxPoints

Run your spending through the calculator →

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.

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Important notice. This tool is provided for educational purposes only. The information and recommendations presented here are not intended to constitute financial, legal, or tax advice. Please consult with qualified professionals for personalized financial guidance. Credit card terms, rewards, and benefits are subject to change and may vary based on individual circumstances.