Free calculators and tools to help you make smarter decisions about credit cards, points, and travel rewards.
Enter the bills you already pay and see what a signup bonus is really worth after fees, at 2cpp and at a 1cpp stress test, next to a 2% cash-back card.
Open tool →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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