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
This card has no current sign-up bonus.
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
$
40 available
Year 1 value
$234
bonus + credits + rewards − fee
Year 2 value
$234
rewards + recurring credits − fee
How Year 1 adds up
Welcome bonusNo current bonus sign-up bonus
+$0Rewards on your spendongoing category earnings / yr
+$234Year 1 total$234
Rewards by category
Dining$300/mo
$36Groceries$500/mo
$60Gas$150/mo
$18General travel$200/mo
$24Utilities$200/mo
$24Online shopping$200/mo
$24Everything else$400/mo
$48Ongoing rewards / yr$234
3 · 0% intro-APR float calculator
This card doesn't carry a 0% intro APR on purchases, so there's no float to harvest. Pick a 0%-purchase card to model it.
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