Credit Card Rewards Calculator

If you’re on the fence about which rewards credit card is right for you, use our rewards calculator to compare multiple credit cards side-by-side. Simply input your monthly spending profile, to compare and discover which card will give you the best rewards based on your personal spending habits.

Input your monthly spending profile
id-cc-spending-profile
Spending profile

Update results

Hit enter or click outside the box to refresh your results

Update results

Hit enter or click outside the box to refresh your results

Update results

Hit enter or click outside the box to refresh your results

Update results

Hit enter or click outside the box to refresh your results

Update results

Hit enter or click outside the box to refresh your results

Update results

Hit enter or click outside the box to refresh your results

Update results

Hit enter or click outside the box to refresh your results

Update results

Hit enter or click outside the box to refresh your results
First year rewards
First year rewards
Some credit cards come with a spending bonus, which is given to the card holder after they complete a condition, such as making their first card purchase. The spending bonus may be in the form of points, cash, free merchandise, etc. Spending bonus
To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt
This is the dollar amount all your rewards will add up to. Total value
Some credit cards come with an anniversary bonus, to provide more incentive for people to continue using the card for multiple years. The anniversary bonus may be in the form of points, cash, free merchandise, etc, and is given to the card holder every year on the anniversary. Anniversary bonus
Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so. Spending reward
Groceries
Gas
Restaurants
Bills
Travel
Entertainment
Pharmacy
Everything else
This is the total number of rewards points you could earn in one year, based on the credit card's sign-up bonus and the amount you could potentially spend on the card. Total points
To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt
This is the dollar amount all your rewards will add up to. Total value
For a LIMITED time only, you will receive a FREE gift card from RateHub.ca to Starbucks, Homesense/Winners, or Amazon.ca upon approval of this card. Click “Get details” for more info. Gift card
This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement. Annual fee
Total net reward

Our credit card rewards calculator is a one-of-a-kind tool that lets you compare multiple credit cards, so you can find and apply for the best rewards credit card based on your spending and needs.

How to use the rewards calculator

We built this calculator so it would be simple to use, but the results are comprehensive. Here’s how you should use it:

  1. To start, simply input your spending profile at the top. If you don’t know exactly how much you spend on each category, review the last three months of online banking and credit card statements, write down and add up your totals for each category, and divide the totals by three (3): that’s the average amount you’ve spent in each category over the last few months, so put those answers in the spending profile at the top.
  2. Depending on which type of reward you want to earn (cash back, travel, etc.), choose which credit cards you’d like to compare. You can select and compare as many as you like!
  3. Now, the fun part. We’ve done the math to figure out the exact value of a single point you could earn with every one of the credit cards on our site. Based on how much you spend in each category (groceries, gas, bills, travel, etc.), we can tell you how many points you’ll earn and the dollar value of those points. Coupled with any sign-up bonuses your credit card may come with, our calculator can show you the total points you’ll earn each year, and how much those are worth. We subtract the annual fee from that figure, to show you your total net reward. Assuming you pay off the balance in full each month, the total net reward is the value your rewards credit card will give you each year.

The credit card with the highest total net reward is the one that will be the most beneficial to you.