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 40K Miles bonus by spending $1,000 in the first 3 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 40K Miles 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
$888
bonus + credits + rewards − fee
Year 2 value
$468
rewards + recurring credits − fee
How Year 1 adds up
Welcome bonus40K Miles sign-up bonus
+$400Rewards on bonus-window spend$1,000 on Everything else
+$20Rewards on your spendongoing category earnings / yr
+$468Year 1 total$888
Rewards by category
Dining$300/mo
$72Groceries$500/mo
$120Gas$150/mo
$36General travel$200/mo
$48Utilities$200/mo
$48Online shopping$200/mo
$48Everything else$400/mo
$96Ongoing rewards / yr$468
3 · 0% intro-APR float calculator
Chase United GatewaySM has 0% on purchases for 12 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 3 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
+$37
on $999 of spend over 12 mo · 3.7% effective
| Month | Spend | Floats (mo) | Eff. rate | Interest |
|---|---|---|---|---|
| 1 | $333 | 12 | 4.0% | $13 |
| 2 | $333 | 11 | 3.7% | $12 |
| 3 | $333 | 10 | 3.3% | $11 |
| Total | $999 | $37 |
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