Rewards Credit Card Calculator - What Will Be Your Net Annual Rewards Earnings?

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Your Estimated Net Annual Rewards The annual reward earnings, minus the average annual fee (fee / years), plus the average annual value of the signing bonus (bonus / years)
Sign Up Bonus Points The number of points an issuer will give you when signing-up for a new card. Different conditions apply.
Annual Fees The amount of money charged to you each year to use the card
Purchase Interest Rate The annualized interest rate your credit card balance will be charged for purchases made with your card
Cash Advance Interest Rate Interest rate charged when taking out cash with your credit card
Min Personal Income Required Minimum personal income required to be eligible for approval for the card when you apply.
Recommended Credit Score Minimum Credit Score required to be eligible for approval for the card when you apply.
Estimate your monthly spending
Gas /Mo
Grocery /Mo
Dining /Mo
Drug /Mo
Airfare /Mo
Hotel /Mo
Other /Mo
Total /Mo
How long will you have the card? Years
Your projected balance 3000
Current interest rate 19%
Minimum payment 1%
Fixed monthly payment 30
Your Transfer Amount 7500
Current interest rate 19%
Minimum payment 1%
Fixed monthly payment 75
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Type of Credit Card
Credit Card Use
Card Features

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How to Use the Rewards Credit Card Calculator

The GreedyRates rewards calculator is designed to help Canadians narrow down the dizzying array of credit cards and features available to them. Which cards align best with your personal spending habits and interests? Input your monthly expenditures to find out. Tell the calculator that you spend significantly on gas, for example, and you’ll see your net annual rewards column balloon for those cards that accelerate earnings when you fill up at the pump.

The calculator will factor in the information you enter, and combine it with the annual fees and bonuses given by each card in our database. It should be noted that not all rewards points are valued the same way, so refer to our Loyalty Program Bible to see that you’re getting the most bang for your buck.

Here is an example:

The following presents your average spend per each category listed on the left-hand side of the screen:

Gas: $90
Grocery: $300
Dining: $180
Drugstores: $50
Airfare: $250
Hotels: $175
Other: $100

You will find that you can save on your first year $459 with the BMO Air Miles World Elite Mastercard, given the 3,000 Bonus Miles and the annual fee waiver on the first year.

Rewards Points Calculator Results

The results table illustrates how much you can expect to pay as an annual fee, how many points or miles are provided as an introductory bonus, the default interest rates associated with the card, and any key requirements for applicants. Determine what rewards benefit you most, and what your limitations might be in terms of credit or yearly income. After you’re armed with this information you can then begin to narrow down the options further.

Filters include different purchase and spending categories, how long you plan on keeping the card, and even which bank you wish to be a customer of (or those you don’t). It’s also possible to filter cards by their benefits and rewards. If you’re presented with a list of Air Miles cards, for example, you can dig deeper to find those with extra travel insurance. If you already have travel insurance, filter it out and look for a card with other attractive features, like free companion tickets.