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Monthly Spending
Adjust to match your typical monthly spend — used to calculate your personalized rewards value.
My Goals
My Card Wallet 0
Select which cards you currently own — these will be used to generate your personalized spend optimizer and annual value estimate.
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Affiliate Disclosure: POW earns a commission when you apply
for credit cards through our links. This helps keep the tool free.
Our recommendations are based on YOUR spending profile—not commission rates.
How points are valued here: for any card that earns points or miles (not straight cashback),
the dollar amounts and rankings on this tab use each program's typical redemption value — a realistic
middle-of-the-road estimate, not the best case. Your actual value can be meaningfully higher (e.g. transferring
to a sweet-spot flight redemption) or lower (e.g. redeeming for merchandise or a statement credit), depending
entirely on how you redeem. See the exact best/typical/worst range for every program on the
.
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Add your name, spending habits, and cards to get personalized recommendations.
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Card images are illustrative renderings and may not match the actual cards issued by each bank.
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How to read this: Points value varies widely depending on how you redeem. Transferring to airline partners almost always yields the best value. Values sourced from Prince of Travel, Milesopedia, NerdWallet Canada — verified Aug 2026.
Points Program Valuations
Wallet cards pinned to top. Click a column heading to sort (click again to reverse), or any row to populate the calculator.
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Points Value Calculator
See what your points are worth across every redemption type.
Select a program above
Effective return = earn rate × point value. Shows real ¢ back per $1 spent, accounting for both how many points you earn and their dollar value. Assumes best redemption for points cards.
Best by Spending Category
Highest effective return (¢ per $1) for common categories.
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Overall Effective Return — Base Spend
Sorted by general "everything else" earn rate.
| Card | Base Earn | ¢ per $1 | Return |
|---|---|---|---|
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