Free calculators and tools to help you make smarter decisions about credit cards, points, and travel rewards.
Mix Delta flight spend, card MQD headstarts, and everyday card spending to see exactly how many MQDs you'll earn — and whether Gold (Sky Priority) is within reach.
Open tool →Find out which Bilt Mastercard — Blue, Obsidian, or Palladium — gives you the most net value based on your spending and housing earn mode.
Open tool →See what your points are worth across every major program — Chase UR, Amex MR, Bilt, Hyatt, and more. Override any valuation to match your style.
Open tool →See the true cost of premium cards after credits. Override each credit to reflect what you'll actually use and compare up to 3 cards side-by-side.
Open tool →Find the optimal credit card stack for your spending. Input your monthly spend by category and see exactly which cards maximize your points.
Open tool →Compare premium credit cards side-by-side — annual fees, earn rates, lounge access, credits, and more. Shareable URLs for any comparison.
Open tool →See rotating 5% bonus categories by quarter for Chase Freedom Flex, Discover It, and Citi Dividend. Know when to activate and which card to swipe.
Open tool →The definitive insider reference for the unwritten rules of credit card points. Chase 5/24, Amex lifetime rule, issuer velocity limits, and the golden rules.
Open tool →Current transfer bonus offers across all major loyalty programs. Transfer bonuses can increase your points value by 25–40% overnight.
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