Rewards comparison calculator

Cash back or points—using your numbers?

Compare simple cash with the point value you can realistically redeem.

Rewards comparison tool

Cash back vs. points

Compare both cards using the same spending and a point value you can actually redeem.

Annual card spending$Cash-back rate%Cash-back card annual fee$Points earned per dollar×Realistic value per point¢Points card annual fee$Redemption friction / unused value%

Net cash-back value$480

Net points value$380

Points-card advantage-$100

The cash-back card wins under your entered redemption assumptions. Change the point value and friction inputs before trusting the result.

Point values are not cash guarantees. Availability, transfer ratios, award pricing, expiration, and redemption habits can reduce realized value.