Points-and-miles calculators

Welcome bonus + the credits you'd actually use − the annual fee → a Churn / Keep / Skip verdict on any card. Uncheck the credits you wouldn't touch for an honest year-one number.

Pick a family-popular destination, your family size, and nights — see the cheapest points path (flights + hotel), the cash equivalent, and the two cards that earn it fastest.

See your next 12 months of card annual fees laid out month-by-month with a Keep / Cancel / Downgrade hint per card.

Points + cash equivalent → realized cents-per-point. Compare your redemption against typical sweet-spot ranges per program.

Live count of your qualifying applications against Chase's 5/24 rule, plus the date the oldest counting card rolls off.

First-year net value + effective cashback % + monthly spend pace for any welcome bonus offer.

Should you renew? Honest year-2-onward break-even math with a Keep / Borderline / Cancel verdict that scales with the fee.

Marriott FNA, Hyatt Cat 1-4, Hilton weekend, IHG 40k — grade any cert burn against the program's typical cpp.

Active credit card points transfer bonuses — Chase, Amex, Citi, Capital One — sorted by urgency, with sources.

Typical cents-per-point ranges for every major credit card, airline, and hotel loyalty program. The chart we use to grade redemptions.

Side-by-side comparisons of the most-searched card pairs (Amex Gold vs Platinum, Sapphire Reserve vs Preferred, Venture X vs Amex Platinum) with year-1 net math.

Every recurring credit on every premium card. The data that powers our other tools.