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
American Express Gold Card
$325/yr annual fee
$1,416
Est. rewards/yr
+$1,091
Net after fee
Best 2-Card Combo
+$156 moreAmerican Express Gold Card + Chase Freedom Unlimited
+ 
$1,572
Est. rewards/yr
+$1,247
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 Chase Freedom Unlimited 0.0%
Travel (Flights & Hotels) American Express Gold 0.1%
Online Shopping Chase Freedom Unlimited 0.0%
Streaming & Subscriptions Chase Freedom Unlimited 0.0%
Drugstores & Pharmacies Chase Freedom Unlimited 0.1%
Everything Else Chase Freedom Unlimited 0.0%
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