How Much Are Your Rewards Really Worth?
No sponsored rankings, no card endorsed here — just math. Tell the estimator how you spend each month and see what those rewards could be worth over a full year, fee included.
Annual Rewards Estimator
Enter your typical monthly spending. All math runs in your browser — nothing is sent anywhere.
How rewards work
1. Spend in categories
Most spending falls into a few buckets: dining, groceries, gas, travel, and everything else. Knowing where your money goes is the starting point.
2. Earn at different rates
Reward styles pay different rates per category. Flat styles pay the same everywhere, tiered styles pay more in bonus categories, and travel styles pay points you redeem later.
3. Redeem — and watch the fee
The annual fee comes out of your rewards first. A card only beats a no-fee option when your spending earns more than the fee costs.
Explore by category
Side-by-side math on reward styles, fees, and break-even points.
How flat and tiered cash-back rates actually add up.
Point values, transfer math, and when travel rewards win.
Practical ways to earn and redeem without overthinking it.
Annual fees, break-even math, and terms worth reading twice.
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No sponsored rankings. No card endorsed. Just math.
Estimates only — your categories and redemptions will differ.
Browse all guides
Every article on Reward Radar, grouped by topic.