Rewards value estimator
A high rewards rate only pays off if it beats the fee. Enter your spending and a card's rewards rate to see what it earns in a year, what is left after any annual fee, and how much you would need to spend for the card to break even.
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Cash back percentage, or the value of points or miles per unit spent.
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Results appear after clicking
Enter your spending and click to estimate the rewards value
Net value each year, after the annual fee
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Rewards per year
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First-year net
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Break-even spend
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Educational estimate, not financial advice. Real rewards rates, caps, and point values vary by card and how you redeem. Confirm the terms with the issuer.