Credit card calculator
Enter your monthly spending by category and every card in the database is ranked by net annual value after its annual fee, with each card's category caps applied. The main tool on the site.
A ranking tells you what is best on average. A calculator tells you what is best for you, which is usually a different answer. These tools exist because the arithmetic that decides a credit card question, category caps, annual fees and what a loyalty point is actually worth, is tedious enough that almost nobody does it by hand.
Points value calculator
Convert a points balance into dollars across Aeroplan, Scene+, Amex Membership Rewards, RBC Avion, BMO Rewards, TD Rewards, PC Optimum and more. Every valuation is editable if you know what your own redemption is worth.
Why the arithmetic matters
Two mistakes account for most of the gap between what Canadians expect from a rewards card and what they actually receive. The first is ignoring category caps, which stop a headline earn rate part way through the year without any notice on the statement. The second is comparing point multipliers across programs whose points are worth different amounts, which makes an 8x card look four times better than a 2x card when it may be worse.
Both are arithmetic problems rather than judgement problems, which is exactly what a calculator is for. The card calculator handles the first and the points value calculator handles the second. They share the same underlying database and the same point valuations, so they will not give you contradictory answers.
The Short Version
Run your own numbers before trusting any ranking, including the ones on this site. If a tool here disagrees with a card's marketing, check the caps and the point valuation first, because that is almost always where the difference comes from.
CardGenie is not affiliated with any card issuer. Information is provided for general information and does not constitute financial advice. Issuer terms can change at any time.