Free Tools
Free Credit Card Points & Miles Tools
Calculate your points value, check if rewards expire, and find the best loyalty program — all free, no signup required.
Points Value Calculator
Calculate how much your credit card points and airline miles are worth in cash. Compare values across 20+ programs and find where your rewards go furthest.
Do Points Expire? Checker
Check if your credit card points, airline miles, or hotel points expire. See expiration policies for every major loyalty program and learn how to keep them alive.
Upgrade Value Calculator
Should you use miles or cash to upgrade your flight? Compare the value of miles-based upgrades vs cash fare differences on popular routes.
Best Loyalty Program For Me
Enter the airports you fly to most and get a personalized recommendation for which airline loyalty program best fits your travel patterns.
Elite Status Calculator
See how far you are from the next elite tier. Enter your current MQDs, PQPs, tiles, or nights and find out exactly what you need.
Bill Payment Points Calculator
Should you pay rent, mortgage, tuition, or other bills with a credit card for points? See if the rewards outweigh the processing fees.
Credit Score Impact Calculator
Find out how many points your credit score will drop when you apply for a new card. See short-term impact and long-term recovery timeline.
Transfer Partners Finder
Find the best airline and hotel transfer partners for your credit card points. Compare ratios, values, and transfer speeds across all programs.
Amex Platinum vs Chase Sapphire Reserve
Compare the Amex Platinum vs Chase Sapphire Reserve based on your actual spending. See which premium card earns more points and saves you more money.
CSP vs Amex Gold Calculator
Chase Sapphire Preferred vs Amex Gold — which mid-tier card wins for your spending? Input your monthly expenses and see the winner.
Miles vs Cash Back Calculator
Should you earn miles or cash back? Enter your spending and see which strategy gives you more value. Includes breakeven analysis.
Best Credit Card for Dining
Find the best credit card for restaurants. Enter your monthly dining spend and see which card earns the most rewards after annual fees.
Credit Card Rewards Calculator
How many points do your credit cards earn? Select your cards, enter spending by category, and see your total annual rewards value.
Best Use of Chase Points
Find the highest-value way to use your Chase Ultimate Rewards. Compare transfer partners vs travel portal vs cash back for your travel goals.
Best Use of Amex Points
Maximize your Amex Membership Rewards. Compare transfer partners, portal, and cash out options ranked by value for your travel goals.
Bilt Points Value Calculator
Calculate how much your Bilt Rewards points are worth. Compare transfer partners like Hyatt, AA, and United to find the best redemption.
Citi ThankYou Points Value
Find the best way to redeem your Citi ThankYou points. Compare transfer partner values, portal rates, and cash back options.
Annual Fee ROI Calculator
Is your credit card annual fee worth it? Check off the benefits you actually use and see your ROI instantly. Works for 12+ premium cards.
Points Devaluation Tracker
Track how airline miles and hotel points have lost value over time. Interactive timeline and charts showing historical award chart changes.
Transfer vs Portal Calculator
Should you transfer points to a partner or book through the travel portal? Enter your flight details and see which option gives better value.