Credit Card Value Calculator
Pick a card and enter your monthly spend. See its real Year 1 value (sign-up bonus + first-year credits + rewards − fee) and steady-state Year 2 value — and toggle the 0% intro-APR float on cards that offer it to see how much the bank floating your balance is worth.
Card
Your monthly spend
Enter what you spend per month in each category — $1,950/mo total.
Dining
restaurants, takeout, delivery
$
Groceries
supermarkets and online grocery
$
Gas
gas stations
$
General travel
broad travel purchases booked directly
$
Utilities
electric, water, and household utilities
$
Online shopping
general online retail
$
Everything else
purchases without a category bonus
$
Year 1 value
$1,694
bonus + credits + rewards − fee
Year 2 value
$10,658
rewards + recurring credits − fee
How Year 1 adds up
Welcome bonusUp to 175K MR sign-up bonus
+$1,225First-year credits
+$1,200Rewards on your spendongoing category earnings / yr
+$164Annual fee
−$895Year 1 total$1,694
Rewards by category
Dining$300/mo
$25Groceries$500/mo
$42Gas$150/mo
$13General travel$200/mo
$17Utilities$200/mo
$17Online shopping$200/mo
$17Everything else$400/mo
$34Ongoing rewards / yr$164
Estimates only. Reward value uses each card's best earning tier per category and a standard point valuation; your real value depends on how you redeem. The 0% APR float assumes you can pay the balance in full before the promo ends and park the cash in a high-yield savings account.
Stop tracking bonuses in a spreadsheet
Stacks OS builds a personalized sequence based on your paycheck, tracks every bonus you've done, and tells you exactly what to do next. 1103 bonuses, one dashboard.
See your projected earnings →$10/month or $99/year · most first bonuses are $300–$400