Calculator
Cash back vs. points value calculator
Points are only worth what you redeem them for. Enter your spend and a realistic redemption value to compare against flat cash back.
Runs entirely in your browser — nothing you type is stored or sent anywhere. Illustrative math only, not a quote, guarantee, or advice.
What this assumes
- Values points at the cents-per-point you enter.
- Real point values swing with how you redeem — use a conservative rate.
- Ignores annual fees and category bonuses; compare those separately.
Educational information — not advice
This page provides general educational information about credit, debt, and consumer protections. It is not legal advice, financial advice, or credit repair services, and reading it does not create any professional relationship. Laws, procedures, deadlines, and dollar amounts vary by state and change over time.
For advice about your specific situation, consult a licensed attorney or qualified financial professional. See our full disclaimer.