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
$351
bonus + credits + rewards − fee
Year 2 value
$351
rewards + recurring credits − fee
How Year 1 adds up
Welcome bonusNo current bonus sign-up bonus
+$0
Rewards on your spendongoing category earnings / yr
+$351
Year 1 total$351
Rewards by category
Dining$300/mo
$54
Groceries$500/mo
$90
Gas$150/mo
$27
General travel$200/mo
$36
Utilities$200/mo
$36
Online shopping$200/mo
$36
Everything else$400/mo
$72
Ongoing rewards / yr$351
3 · 0% intro-APR float calculator
First Financial Visa Signature Rewards Credit Card has 0% on purchases for 6 months
Pay 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
+$0
on $0 of spend over 6 mo
⚠ Go-to APR is ~18% after the promo. Pay the full balance a few days before it ends or the interest wipes out the gain.

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.

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See your projected earnings →
$10/month or $99/year · most first bonuses are $300–$400