CreditCardGuru

Credit card rewards calculator

The right card can be worth hundreds of dollars a year. Tell us how you spend and we'll rank every card by what you'd actually earn — fees and welcome bonuses included.

Your monthly spending

Drag to match how you spend. We'll do the rewards math.

$800
$400
$250
$300
$1,500
Total monthly spend$3,250
Your best match
American ExpressAMEX
American Express Cobalt Card

American Express Cobalt Card

Estimated first-year value

$2,208

Apply now

Rewards earned / year

$2,064

Annual fee

−$156

Full ranking for your spending

  1. 1
    American Express Cobalt Card

    1st-yr value

    $2,208

  2. 2
    TD Aeroplan Visa Infinite

    1st-yr value

    $2,003

  3. 3
    Scotiabank Gold American Express

    1st-yr value

    $1,652

  4. 4
    CIBC Aventura Visa Infinite

    1st-yr value

    $1,595

  5. 5
    Scotiabank Passport Visa Infinite

    1st-yr value

    $1,028

  6. 6
    BMO CashBack World Elite Mastercard

    1st-yr value

    $830

  7. 7
    Rogers Red World Elite Mastercard

    1st-yr value

    $699

  8. 8
    Simplii Financial Cash Back Visa

    1st-yr value

    $639

  9. 9
    Tangerine Money-Back Credit Card

    1st-yr value

    $484

Estimates are illustrative and simplify earn rates (bonus categories like transit, streaming and drugstore are grouped into “everything else”). Your actual rewards depend on the card's current terms and how you redeem. Always verify with the issuer.

How the calculator works

We take your monthly spending in each category and apply every card's published earn rates, honouring annual caps on bonus categories. For points and miles cards, we convert earnings to their typical cash value so you can compare cash back and points fairly. We then subtract the annual fee to show your net annual value, and optionally add the first-year welcome bonus.

Rewards calculator FAQ

How does the rewards calculator work?

Enter your typical monthly spending on groceries, dining, gas, travel and everything else. We apply each card's real earn rates (honouring category caps), convert points and miles to their cash value, subtract the annual fee, and rank the cards by net annual value.

Does it include the welcome bonus?

Yes — you can toggle first-year welcome bonuses on or off. With them on, the ranking reflects first-year value; with them off, it reflects ongoing yearly value.

Are the results exact?

They're close estimates. We simplify some niche bonus categories and use typical point valuations, so your real-world value may differ slightly. Always confirm current terms with the issuer before applying.

Prefer to browse? Compare all credit cards.