Best Travel Planner — Plan Your Dream Trip Instantly

on

Credit Card Points Maximiser

on
Online shopper holding and looking at a credit card.

Credit Card Points Maximizer

Smart calculator with API integration that helps you maximize credit card rewards by determining which card to use for different spending categories.

MCC API Ready
Categories Ready
CardData API: Add Key

Your Credit Cards

Select Your Cards

Add Custom Card

Monthly Spending

MCC Lookup Tool

Find the Merchant Category Code for any purchase

Total Monthly Spend
$0

Optimization Settings

Redemption Goals

0.5¢1.5¢3.0¢

Fee Tolerance

$
Minimal CardsMax Optimization

Optimization Results

API Data Sources

0 requests
  • MCC Categories: 45+ codes
  • Plaid Categories: 6 mapped
  • CardData API: Not configured

Click "Calculate Optimal Strategy" to see your personalized recommendations

Pro Tips

  • Use MCC codes to verify bonus category eligibility
  • Always meet minimum spend for sign-up bonuses within timeframe
  • Transfer points to airline partners for maximum value
  • Track 5/24 rule if applying for Chase cards
  • Check MCC before large purchases to maximize points

This calculator provides recommendations only. Always review your credit card terms.

Made with for points enthusiasts | Compatible with all modern browsers

⚡ Unlock smarter decisions — free tools
Short, powerful calculators to reduce risk and maximize profit.
Amazon FBA Profit
📦 Fees, storage & PPC decoded
Net profit after all Amazon fees, storage, and ad spend.
Check profit
Options Probability
📊 Free probability calculator
Know your odds before you trade – options made clear.
See odds
Shopify Profit Analyzer
🛒 True margin tool
Stop losing money – uncover your real Shopify profit.
Analyze margin
YouTube Ad Revenue
🎥 Estimate your 2026 pay
Realistic ad revenue based on niche, views & geography.
Estimate earnings
Crypto Staking
⛓️ Compare APY & returns
Maximize staking rewards across top protocols.
Stake smarter
Etsy Fee Calculator
🧵 Real profit after all costs
Listing, transaction, payment & ad fees – see net profit.
Calculate profit
⭐ 6,200+ professionals used these tools this month

💳 How to Use the Credit Card Points Maximizer

Optimize your rewards strategy, uncover hidden value, and earn more points on every purchase.

1 Getting Started

🃏 Select your cards

Browse pre‑defined cards (Chase Sapphire, Amex Gold, etc.) and click to add or remove them from your wallet. Create custom cards for any issuer.

💰 Set monthly spending

Enter your typical spend for Groceries, Dining, Travel, and more. The total updates automatically — no guesswork.

🎯 Configure optimization

Choose your redemption goal (travel, cashback, etc.), set point valuation, and define your fee tolerance.

📊 Calculate & explore

Hit the purple button to see monthly points, net value, and a card‑by‑card allocation table for every spending category.

🔍

Pro tip: Use the MCC Lookup tool before large purchases to verify bonus category eligibility.

2 Why This Calculator Matters

💸 Leaving money on the table

The average person leaves hundreds of dollars in rewards each year by using the wrong card. Over a decade, that adds up to $5,000–$10,000+ in lost value.

🎯 Smarter spending

With cards offering 1x to 5x points on different categories, the difference between optimal and suboptimal spending is enormous. This calculator finds your ideal card for every purchase.

✈️ Beyond cash back: The calculator also factors in transfer partners, sign‑up bonuses, and annual fees — giving you a complete picture of your rewards ecosystem.

3 The Math Behind the Optimization

📐 Points formula

Points Earned = Monthly Spend × Card Multiplier

Example: $600 Groceries × 4x (Amex Gold) = 2,400 points

🧮 Annual value example

• Groceries: $600 × 4x = 2,400 pts

• Dining: $400 × 4x = 1,600 pts

• Travel: $500 × 5x = 2,500 pts

• Monthly total: 6,500 pts

• Annual: 78,000 pts × 1.5¢ = $1,170

📊 Net value after annual fees:

$1,170 gross – $645 (Amex Gold $250 + Venture X $395) = $525/year net

4 Frequently Asked Questions

❓ How accurate are the recommendations?

The calculator uses real MCC codes and category mappings. For rotating categories, it assumes you're maximizing the current quarter's bonus.

❓ What if I have cards not listed?

Use the "Add Custom Card" feature to include any card you own. Set its annual fee and base earning rate.

❓ How does the MCC lookup help?

Merchant Category Codes determine which category a purchase qualifies for. Use the lookup tool before large purchases to verify you'll earn the maximum points.

❓ Can I use this for business cards?

Yes! The calculator works for both personal and business cards. Simply add them as custom cards with their specific category bonuses.

⬅ Back to Calculator
Optimize your rewards · made with ❤ for points enthusiasts