Credit Card Points Calculator
Calculate annual points from spending & reward rate.
Compare up to 5 cards side by side.
🔒Card info is never sent to any server. All calculations run locally in your browser.
* Note: Preset reward rates are typical values and do not account for bonus merchant rates or tier bonuses. No affiliate links.
About
This tool calculates reward points earned from your monthly spending and lets you compare multiple credit cards side by side. It accounts for annual fees so you can see the true net benefit of each card at a glance. All calculations run locally in your browser.
How to Use
Enter Monthly Spending
Enter the total amount you charge to credit cards per month.
Set Card Reward Rates
Choose a preset card or manually enter the card name, reward rate, and annual fee.
Review Comparison Results
Review monthly/annual points and net benefit after annual fee to pick the best card.
Glossary
- Reward Rate
- The percentage of spending returned as points. E.g., 1% = 1 point per ¥100 spent.
- Annual Fee
- The yearly cost of holding a credit card. Must be deducted from the annual points to calculate net benefit.
- Net Benefit
- Annual points earned (in credits) minus the annual fee. The most important metric for comparing cards.
- Miles Conversion
- Converting points to airline miles. Often 1 mile ≈ ¥2–3 value, making the effective reward rate higher.
- Bonus Merchant Rate
- Extra points at partner merchants. Not included in base rate; adjust the reward rate field manually.
- Points Expiry
- Points may expire if unused within a certain period. Always check each card's expiry policy.
FAQ
- Q.Is my card data sent to a server?
- No. All calculations run locally in your browser. Your spending and reward data never leave your device.
- Q.Can I include bonus merchant rates?
- Not automatically. Manually add the bonus to the reward rate field (e.g., enter 5% if the card offers 5% at a specific merchant).
- Q.Is the calculation based on 1 point = ¥1?
- Yes. For programs with different redemption rates (e.g., miles), adjust the rate manually to reflect the true credits value.
- Q.How many cards can I compare?
- Up to 5 cards simultaneously.
- Q.What unit is the annual fee entered in?
- Enter the yearly fee in credits (e.g., 5500 for ¥5,500/year).
Use Cases
Choosing a New Credit Card
Compare candidate cards to find which offers the best net return for your spending pattern.
Household Budget Optimization
See how much you're currently earning and identify opportunities to switch to a more rewarding card.
High-Value Purchase Decisions
Before a big purchase, check which card in your wallet earns the most points.
Miles vs Points Comparison
Set the reward rate to the mile's credits equivalent to compare miles and cashback cards fairly.
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