Credit Card Rewards Calculator
Which credit card rewards are worth more?
A higher reward rate isn’t always better once annual fees are counted. Compare net value.
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How this calculator works
Net yearly value = monthly spending × 12 × reward rate − annual fee. Rewards only make sense if you pay the balance in full every month.
Frequently asked questions
Do rewards beat interest?
No. Carrying a balance at typical card APRs wipes out rewards many times over.
Results are estimates based on the numbers you enter and simplified assumptions. They are not financial advice. See our disclaimer.