Planning tool

Estimate your card rewards.

Choose one card and enter broad monthly spending amounts. Cardwell estimates cash back, points, or miles before welcome offers and benefit credits.

Start at $0

Card and monthly spending

Enter your own broad monthly estimates to begin.

Card · 11 personal options

Count each purchase once. Do not include the same spending in “Other purchases” and a specific category.

Dining and takeout$In-store groceries$Gas$Other direct travel (not flights or hotels)$Other purchases (not entered elsewhere)$

Additional spending categories

U.S. online retail (not groceries)$Eligible online groceries$Entertainment$Eligible streaming services$Drugstores$Flights booked directly$Hotels booked directly$EV charging$

What this estimate includes

Reward rates and shared spending caps from Cardwell’s focused 16-card catalog. Shared caps are spread proportionally across eligible categories.
In-store groceries, online groceries, online retail, entertainment, streaming and drugstores can be entered separately. Merchant exclusions still apply.
Direct-travel rates that do not require an issuer travel portal.
No welcome offers, statement credits, redemption-value assumptions, taxes, merchant-coding differences, or interest costs.
Cash back, points, and miles are shown in their own units and are not treated as equal. Always confirm current issuer terms.