Smarter decisions, in one click
Free calculators and comparison tools built to support every decision — from valuing your points and comparing two cards side-by-side to figuring out which sign-up bonus is actually worth the most to you.
Featured tools
The tools our team uses to value points, compare cards, and decide whether a welcome bonus is actually worth chasing. Built to support real decisions, not to fill a sidebar.
All tools
Every tool is free, requires no sign-up, and works on mobile. Bookmark the ones you’ll use repeatedly — we update the data behind them monthly.
Points valuation tool
Our published cents-per-point values for every major airline, hotel, and transferable points program. Updated monthly with the methodology that backs the numbers.
Card comparison tool
Pick any two cards from our database and see them side-by-side on welcome bonus, earning rates, benefits, annual fee, and our star rating. No spin — just the data.
Sign-up bonus calculator
Enter your typical monthly spending and we’ll calculate how long it takes to hit each minimum spend — and what each welcome bonus is worth in cash terms.
Award flight search
Quick links to the best award flight search tools (Seats.aero, Point.me, etc.) plus our guide to which tool finds what airline’s availability fastest.
Transfer partner cheat sheet
Every transfer ratio across Chase, Amex, Capital One, Citi, Bilt, and Wells Fargo — in one printable reference. Download-ready PDF included.
Mortgage loan calculator
A general-purpose mortgage calculator with amortization schedule. Useful for understanding monthly payments, total interest, and the tradeoffs of different loan terms.
Balance transfer savings calculator
Estimate how much you’d save by transferring a balance to a 0% APR card. Includes balance transfer fees, intro period length, and your current APR.
How to use the tools together
Most card decisions benefit from running through three tools in order. Here’s the workflow our team uses before applying for any new card.
The 3-step card evaluation workflow
When you’re deciding whether to apply for a new card, this is the order our team runs the analysis. Takes about 10 minutes start to finish.
Value the welcome bonus
Use the points valuation tool to convert the welcome bonus into a cash equivalent. A 60K bonus might be worth $600 or $1,200 depending on the program.
Check the math
Run your typical spending through the sign-up bonus calculator to see if hitting the minimum spend is realistic without changing your behavior.
Compare to alternatives
Use the card comparison tool to see this card side-by-side with the closest alternative. Sometimes the second-best card wins on long-term value.
Tools built on real data
Every number our tools produce traces back to a public methodology. Point valuations come from real redemptions we’ve made. Card data comes from issuer terms verified monthly. We don’t hide the math — and we update it when programs change.
Tools FAQ
Common questions about our tools, methodology, and data sources. For more, see our full FAQ page.
Where do your point valuations come from?
Our valuations are based on strategic redemption value — the cents-per-point you can expect when transferring to a partner and booking a real award, not the 1¢ portal baseline. We base values on actual bookings our team has made, current award chart availability, and the realistic value to someone willing to be a little flexible with travel dates. See our methodology page for the full framework.
How often are the tools updated?
Point valuations are reviewed monthly and updated whenever a program makes a material change. Card data in the comparison tool is verified monthly against issuer terms. The transfer partner cheat sheet is updated immediately whenever a transfer ratio changes.
Are these tools really free?
Yes — every tool on this site is free, requires no sign-up, no email, and no payment. We earn money through affiliate commissions when readers apply for cards through our links (see our advertiser disclosure), not by charging for tools.
Can I use these tools on mobile?
Yes. Every tool is built to work on phone, tablet, and desktop. We test on iOS Safari, Android Chrome, and the major desktop browsers before each update.
Why are your point valuations different from other sites?
Different sites value points differently because the underlying methodology varies. Some sites use portal value (typically 1¢ per point), some use average redemption, some use peak redemption. We use strategic-but-achievable value — what a thoughtful traveler can realistically expect, not a best-case-scenario number that’s hard to hit. That tends to make our valuations more conservative than aspirational sites but more useful for actual planning.
Can I suggest a new tool?
Absolutely. Email us with your idea — reader requests drive most of what we build. If we get the same request more than a few times, it goes on the roadmap.