Updated April 2026
Travel Rewards Card Value Calculator
Enter your monthly spending by category. We calculate which card earns the most for your actual spending pattern and rank 12 major travel cards by net annual value.
Quick presets:
Monthly Spending
$300/mo
$0Annual: $3,600
$400/mo
$0Annual: $4,800
$500/mo
$0Annual: $6,000
$150/mo
$0Annual: $1,800
$50/mo
$0Annual: $600
$600/mo
$0Annual: $7,200
Total annual spend$24,000
Amex Gold+$1,187
$325/yr fee+$240 credits$1,272 rewards earned
Chase Freedom Unlimited+$1,032
$0/yr fee$1,032 rewards earned
Citi Strata Premier+$964
$95/yr fee+$100 credits$959 rewards earned
Capital One Venture X+$963
$395/yr fee+$300 credits$1,058 rewards earned
Capital One Venture+$769
$95/yr fee$864 rewards earned
World of Hyatt+$713
$95/yr fee+$95 credits$713 rewards earned
Chase Sapphire Preferred+$649
$95/yr fee$744 rewards earned
Chase Sapphire Reserve+$566
$550/yr fee+$300 credits$816 rewards earned
Values are estimates. Actual rewards depend on how you redeem points. Credits counted at face value for cards where they are easy to use.
How This Calculator Works
Net annual value = (monthly spend by category x earning rate x 12 months x per-point valuation) + annual credits - annual fee.
Earning ratesBased on each card's current bonus category rates. Travel includes flights, hotels, and car rentals.
Point valuationsChase UR 2.0c, Amex MR 2.0c, Capital One 1.8c, Citi 1.7c, airline miles 1.2-1.7c, hotel points 0.8c.
Annual creditsCredits counted at face value if easy to use (airline credit, hotel credit, Uber Cash). Not counted if restricted (Equinox, Saks).
Sign-up bonusFirst-year tab includes the current sign-up bonus value. Ongoing tab shows year 2+ net value without the bonus.
Values are estimates based on published data. Actual values depend on redemption choices, credit usage, and spending patterns. Always verify current terms with the card issuer.