Rewards calculator
See which card earns the most for the spending you actually do.
Enter your monthly spending by category to see the strongest earners, the estimated annual difference, and whether a new card is worth the added complexity.
1. Estimate
Set your normal monthly category spend.
2. Compare
We rank estimated rewards after annual fees.
3. Review
Check terms and fit before adding another card.
Your inputs
Your monthly spending
$2,300/mo
Dining & Restaurants
or /mo
Groceries
or /mo
Gas & Fuel
or /mo
Travel (Flights & Hotels)
or /mo
Online Shopping
or /mo
Streaming & Subscriptions
or /mo
Drugstores & Pharmacies
or /mo
Everything Else
or /mo
Estimates use current point valuations. Rotating/seasonal bonuses not included. Results are approximate.
Annual spend: $27,600
Best Single Card
Best Single Card result
American Express Membership Rewards
Blue Business Plus Credit Card from American Express
No annual fee
$1,104
Est. rewards/yr
+$1,104
Net after fee
Best 2-Card Combo
+$227 moreBlue Business Plus Credit Card from American Express + American Express Gold Card
+ 
$1,656
Est. rewards/yr
+$1,331
Net after fees
Show which card to use where ↓ Hide breakdown ↑
Dining & Restaurants American Express Gold 0.1%
Groceries American Express Gold 0.1%
Gas & Fuel Blue Business Plus 0.0%
Travel (Flights & Hotels) American Express Gold 0.1%
Online Shopping Blue Business Plus 0.0%
Streaming & Subscriptions Blue Business Plus 0.0%
Drugstores & Pharmacies Blue Business Plus 0.0%
Everything Else Blue Business Plus 0.0%
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Other top cards for your spending
- American Express Gold CardAmerican Express Membership Rewards$1,091net/yr
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