The Finance Algorithm
§ Tool · tier 1 · independent

Rewards Points Calculator.

Calculate the real value of your credit card rewards and points

CalculatorFree, no signupOn-deviceupd May 2026
Inputs
Your numbers
$
$3k
1

Check your card's earn rate

$
$500

Spending in bonus categories

3

e.g., 3x points on groceries

$
$150
0.5

Typical: 0.5-1.5 cents per point

80,000

Math updates live as you change inputs · AI runs on submit

Awaiting inputs

Move the sliders or type in the form on the left — the math updates live as you go. Click Get AI verdict when you want a written analysis.

Credit card points can be worth $0.005 or $0.02+ depending on how you redeem. This calculator shows your true rewards value and whether your card pays for itself.

§ Worked examples

Real-world scenarios

Rewards Card ROI

$3,000/month spend, 1 point per $1, plus $500/month at 3x on groceries. $150 annual fee. Points worth 0.7 cents each.

Inputs

spend:3,000bonus:500multiplier:3fee:150value:0.7

Annual points: 42,000 (base) + 18,000 (bonus) = 60,000. Value: $420. Net after fee: $270 profit. Plus sign-up bonus in year 1!

§ FAQ

Questions Australians ask

§ Glossary

Plain-English definitions

Point Value
What each point is worth in dollars - varies from 0.5 to 2+ cents depending on redemption.
Bonus Category
Spending categories that earn extra points (e.g., 3x on dining).
Transfer Partners
Airlines/hotels you can transfer points to, often getting better value than cashback.