Does this account for bonus categories?

No — this uses one flat average reward rate. If your card has bonus categories (e.g., higher rates on groceries or travel), estimate a blended average rate across your actual spending mix.

Credit Card Rewards Calculator

Credit

Estimate the annual value of your credit card rewards based on spending and reward rate.

Display currency

Changing the display currency only changes the symbol shown — amounts aren't converted, since this tool doesn't use live exchange rates.

Average monthly spending on this card

Reward rate (%)

Annual fee (if any)

Estimated annual rewards value

Net of annual fee: $0

How this is calculated

Estimated Rewards = Annual Spending × Reward Rate %, minus any annual fee for the net value.

Frequently asked questions

Does this account for bonus categories?: No — this uses one flat average reward rate. If your card has bonus categories (e.g., higher rates on groceries or travel), estimate a blended average rate across your actual spending mix.

Credit Utilization Calculator

Calculate your credit utilization ratio — the percentage of available credit currently in use.

Credit Card Interest Calculator

Calculate the monthly interest charge on a credit card balance.

Balance Transfer Calculator

Compare the cost of keeping a balance on your current card vs. transferring it to a promo-APR offer.