Calculators

Credit card rewards calculator

What a card is worth depends on what its holder spends, and the catalogue this site holds prints two honest things to work from: each card's earn rates in the source's own wording, and the source's own dollar valuation of a year of rewards at a stated spending profile. This tool uses both, labelled as what they are. The first section scales the source's published valuation to your total spending. The second works your spending by category through the published earn rates directly, for the cards whose catalogue entries print a complete structure.

Card 7 of the 28 catalogue cards are offered: the ones the sources price with a published valuation or a complete earn structure.

Your total spending (monthly) The sources value rewards at $2,000 a month, so at that figure the scaled result is the source's own number.

Groceries and dining (monthly)

Gas and transit (monthly)

Travel (monthly)

Recurring bills and subscriptions (monthly)

Everything else (monthly)

How the figures are labelled

The valuations are the sources' own: Rates.ca's Best of Finance methodology values each winning card's welcome bonus and a year of rewards at $2,000 a month of assumed spend across ten categories drawn from Statistics Canada figures, with balances paid in full and points converted at their highest-value redemption. Those are the publisher's assumptions and they are printed here as the publisher's, beside the capture date, because a valuation belongs to whoever made it. Where a card's catalogue entry prints two different figures for the same quantity, the card is left out of the scaling calculation rather than quietly resolved, and the catalogue page shows both figures as printed.

Sources and dates

Every figure comes from this site's credit card catalogue, captured 2026-11-15 from Rates.ca and LowestRates.ca, with each card's source and date carried into the result. Issuer terms govern any card actually applied for.