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Monthly Spending

Adjust to match your typical monthly spend — used to calculate your personalized rewards value.

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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.
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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 Feb 2026.
Points Program Valuations
Wallet cards pinned to top. Click any row to populate the calculator.
Sort by:
ProgramBest ¢/ptTypicalWorstType
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.
Overall Effective Return — Base Spend
Sorted by general "everything else" earn rate.
CardBase Earn¢ per $1Return