✈ REWARDS CALCULATOR

Should you earn miles or take the cashback?

Enter your spending habits below and find out which credit card rewards strategy actually puts more value back in your wallet.

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Your Spending

Amount in any currency
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Cashback Alternatives

Compare your travel card against standard cash back alternatives (e.g., Citi Double Cash, Amex Blue Cash, Ether.fi).

Rates compared: 1% 1.5% 2% 3%

Your Travel Card

Enter the details of the points or miles card you want to evaluate (e.g., Chase Sapphire Preferred, Amex Platinum).

Miles: Co-branded airline cards (e.g. Delta SkyMiles, Lufthansa Miles & More).
Points: Transferable bank rewards (e.g. Revolut, Chase).
Points or miles earned per unit spent (e.g. 0.5, 1.5 or 2)
How much they are worth in cash (e.g., €15 per 1,000 or 0.015 each)
Enter 1 for 1,000 — enter 15 for 15,000

Your Second Travel Card

Compare a second points or miles card side by side with your first.

Miles: Co-branded airline cards (e.g. Delta SkyMiles, Lufthansa Miles & More).
Points: Transferable bank rewards (e.g. Revolut, Chase).
Points or miles earned per unit spent (e.g. 0.5, 1.5 or 2)
How much they are worth in cash (e.g., €15 per 1,000 or 0.015 each)
Enter 1 for 1,000 — enter 15 for 15,000
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Annual Comparison

Metric Miles Card 2 CB 1% CB 1.5% CB 2% CB 3%
Total value earned
Net annual value (?)
Net monthly value
Effective cost per 1k miles
Miles earned
Difference
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Goal Accumulation

Rounds to nearest 1,000
Metric Miles Card 2 CB 1% CB 1.5% CB 2% CB 3%
Months to goal
Total spend
Total fees paid

ⓘ Important to know