🎁 Credit Card Rewards Calculator
Calculate potential earnings from credit card rewards programs including cashback, points, and miles based on your spending patterns
💳 Credit Card Payoff Calculator
Calculate how long it will take to pay off your credit card debt and how much interest you'll pay
💡 Credit Card Payoff Tips
- • Pay more than the minimum to reduce interest costs significantly
- • Consider balance transfer to a lower APR card
- • Stop using the card while paying it off
- • Pay twice monthly to reduce average daily balance
- • Focus on highest APR cards first (avalanche method)
- • Consider debt consolidation for multiple cards
How to Use
1. Enter your monthly spending by category
2. Input reward rates for different categories
3. Calculate annual rewards earnings
4. Compare multiple reward cards
5. Factor in annual fees and benefits
6. Optimize spending category allocation
Features
✓ Multi-category spending analysis
✓ Cashback vs points comparison
✓ Annual fee break-even calculation
✓ Reward card comparison tools
✓ Spending optimization recommendations
✓ ROI analysis for premium cards