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
1 · Sign-up bonus
Earn the 100K Points bonus by spending $5,000 in the first 5 months. How much will you actually put on it in that window?
$
What will you mostly put that spend on? (sets how much it earns)
✓ You hit the minimum — the full 100K Points bonus counts in Year 1.
2 · Your monthly spend by category
What you'll put on the card every month, ongoing — this drives your everyday rewards ($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
$
These are example amounts — change them to match your real monthly spending for an accurate estimate.
40 available
Year 1 value
$1,852
bonus + credits + rewards − fee
Year 2 value
$702
rewards + recurring credits − fee
How Year 1 adds up
Welcome bonus100K Points sign-up bonus
+$1,000Rewards on bonus-window spend$5,000 on Everything else
+$150Rewards on your spendongoing category earnings / yr
+$702Year 1 total$1,852
Rewards by category
Dining$300/mo
$108Groceries$500/mo
$180Gas$150/mo
$54General travel$200/mo
$72Utilities$200/mo
$72Online shopping$200/mo
$72Everything else$400/mo
$144Ongoing rewards / yr$702
3 · 0% intro-APR float calculator
GM Rewards Mastercard has 0% on purchases for 9 monthsPay only the minimum, park the cash that would've paid the bill in a HYSA, and pocket the interest while the bank floats your balance at 0%. Enter what you'll charge each of the first 12 months — the first 5 are prefilled to clear the sign-up bonus. Earlier spend floats longer, so the effective rate decays as the promo runs out.
Spend per month
Mo 1
$
Mo 2
$
Mo 3
$
Mo 4
$
Mo 5
$
Mo 6
$
Mo 7
$
Mo 8
$
Mo 9
$
Mo 10
$
Mo 11
$
Mo 12
$
Float interest earned
+$117
on $5,000 of spend over 9 mo · 2.3% effective
⚠ Go-to APR is ~32.24% after the promo. Pay the full balance a few days before it ends or the interest wipes out the gain.
| Month | Spend | Floats (mo) | Eff. rate | Interest |
|---|---|---|---|---|
| 1 | $1,000 | 9 | 3.0% | $30 |
| 2 | $1,000 | 8 | 2.7% | $27 |
| 3 | $1,000 | 7 | 2.3% | $23 |
| 4 | $1,000 | 6 | 2.0% | $20 |
| 5 | $1,000 | 5 | 1.7% | $17 |
| Total | $5,000 | $117 |
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. 1135 bonuses, one dashboard.
See your projected earnings →$5/month or $50/year · most first bonuses are $300–$400