Calculator: Which Credit Card to Use

Amtrak Guest Rewards World Mastercard
Amtrak Guest Rewards World Mastercard - Real World Machine

Affiliate Disclosure: We receive a commission if you click on one of our affiliate links and make a purchase. And while money can't buy happiness, it can buy a lot of SiteGround web hosting and LEGO sets at Amazon.

Maximize your rewards and find out which of your credit cards is the best to use based on the type of purchase. The calculator was last updated in October 2019 and has information on 100+ popular credit cards.

To calculate the value of the points and miles you have already earned with your credit cards, check out our Points Value Calculator.

Calculator

Check the box next to each credit card that you currently hold. You may want to pull out your wallet and check the names and brands of your credits cards. Results are at the bottom of the calculator.

The calculator updates automatically when you check off credit cards. While best viewed on a computer, if you are viewing on a touchscreen mobile device, use your fingers to scroll both horizontally and vertically, as needed. The calculator is powered by JavaScript. If you are experiencing blank or invalid results, try refreshing your browser.

Details about your co-branded credit cards' bonuses also appear at the end of the calculator. Compare the rewards you earn on your co-branded bonuses with the other types of purchases.

Calculator Information

Credit Cards Included

The Calculator includes the following 107 Credit Cards (alphabetical order):

  • Alliant Credit Union Visa Signature
  • American Express Blue
  • American Express Blue Cash Everyday
  • American Express Blue Cash Preferred
  • American Express Blue Delta SkyMiles
  • American Express Cash Magnet
  • American Express Delta Reserve
  • American Express EveryDay
  • American Express Gold
  • American Express Gold Delta SkyMiles
  • American Express Green
  • American Express Hilton Honors
  • American Express Hilton Honors Aspire
  • American Express Hilton Honors Surpass
  • American Express Marriott Bonvoy Brilliant
  • American Express Platinum
  • American Express Platinum Delta SkyMiles
  • Bank of America Air France KLM
  • Bank of America Alaska Airlines
  • Bank of America Allegiant
  • Bank of America Amtrak Guest Rewards World
  • Bank of America Asiana
  • Bank of America Cash Rewards [includes co-brands]
  • Bank of America Celebrity Cruises / Royal Caribbean
  • Bank of America Norwegian Cruise Line
  • Bank of America Premium Rewards
  • Bank of America Sonesta
  • Bank of America Spirit Airlines
  • Bank of America Travel Rewards
  • Bank of America Virgin Atlantic
  • Barclays AAdvantage Aviator Red
  • Barclays Carnival
  • Barclays Choice Privileges
  • Barclays Diamond Resorts
  • Barclays Frontier Airlines
  • Barclays Hawaiian Airlines
  • Barclays Holland America
  • Barclays JetBlue
  • Barclays JetBlue Plus
  • Barclays Miles and More [Lufthansa]
  • Barclays NFL Extra Points
  • Barclays Priceline Rewards
  • Barclays Princess Cruises Rewards
  • Barclays RCI Elite Rewards
  • Barclays Uber Visa
  • Barclays Upromise
  • Barclays Wyndham Rewards
  • Capital One Bass Pro Shops / Cabela's Club
  • Capital One BuyPower
  • Capital One Journey Student Rewards
  • Capital One Quicksilver Rewards
  • Capital One QuicksilverOne Rewards
  • Capital One Savor Rewards
  • Capital One SavorOne Rewards
  • Capital One Venture Rewards
  • Capital One VentureOne Rewards
  • Chase AARP
  • Chase Aer Lingus / British Airways / Iberia
  • Chase Amazon Prime Rewards
  • Chase Amazon Rewards
  • Chase Disney
  • Chase Disney Premier
  • Chase Freedom
  • Chase Freedom Unlimited
  • Chase IHG Rewards Club Premier
  • Chase IHG Rewards Club Traveler
  • Chase Marriott Bonvoy Bold
  • Chase Marriott Bonvoy Boundless
  • Chase Sapphire Preferred
  • Chase Sapphire Reserve
  • Chase Southwest Rapid Rewards Plus
  • Chase Southwest Rapid Rewards Premier
  • Chase Southwest Rapid Rewards Priority
  • Chase Starbucks Rewards
  • Chase United Club
  • Chase United Explorer
  • Chase United Travel Bank
  • Chase World of Hyatt
  • Citi AAdvantage Executive Elite
  • Citi AAdvantage MileUp
  • Citi AAdvantage Platinum Select
  • Citi AT&T Access
  • Citi Costco Anywhere Visa
  • Citi Double Cash
  • Citi Expedia Rewards
  • Citi Premier
  • Citi Prestige
  • Citi Rewards+
  • Discover It Cash Back
  • Discover It Chrome
  • Discover It Travel
  • First Bankcard Best Western Rewards
  • First Bankcard Best Western Rewards Premium
  • Goldman Sachs Apple Card
  • PNC Cash Rewards
  • U.S. Bank Altitude Reserve Visa Infinite
  • U.S. Bank Cash 365
  • U.S. Bank Cash+ Visa Signature
  • U.S. Bank FlexPerks Gold
  • U.S. Bank FlexPerks Select+
  • U.S. Bank FlexPerks Travel Rewards
  • U.S. Bank Radisson Rewards
  • U.S. Bank Radisson Rewards Premier
  • Wells Fargo Cash Wise Visa
  • Wells Fargo Propel American Express
  • Wells Fargo Rewards
  • Wells Fargo Visa Signature

Spending Evaluated

The calculator evaluates for these types of purchases:

  • General Spending
  • Dining
  • Drugstore
  • Entertainment – General
  • Entertainment – Streaming Services
  • Gas
  • Groceries
  • Gym Membership
  • Mobile Wallet
  • Shopping – Department Stores
  • Shopping – Home Improvement
  • Shopping – Online
  • Shopping – Wholesale Clubs
  • Travel – General
  • Travel – Air
  • Travel – Car Rental
  • Travel – Cruises
  • Travel – Hotels
  • Travel – Local Transit
  • Utilities – TV / Internet / Phone
  • Co-Branded Card Bonuses

Co-branded credit card bonuses are excluded from most categories but are calculated and displayed at the end of the calculator.

Learn More

To learn more about on how the values for points and miles were determined, check out our article on Point Values for Travel Rewards Programs.