Calculator

What is your spend really worth?

Enter a typical month. Swype runs it through every card's earn rates, caps and fees, and ranks them by what you keep.

Monthly spend

Online adsGoogle, Meta, LinkedIn$
Software & cloudSaaS, AWS, electronics$
ShippingUPS, FedEx, USPS$
Flights & hotelsBooked directly$
DiningRestaurants, client meals$
Internet & phoneWireless, broadband, cable$
Office suppliesStaples, Office Depot$
Gas & EVStations and chargers$
Transit & rideshareUber, Lyft, parking, tolls$
Hardware & buildingHome Depot, suppliers$
GroceriesU.S. supermarkets$
StreamingNetflix, Spotify$
Rent & mortgageOffice or home$
Everything elseContractors, inventory, misc.$

Monthly spend

Per year

Best cards for this spend

Ranked by rewards minus annual fee, per year.

Enter what you spend in a typical month.

Points valued at Swype’s conservative transfer estimate (1.2–1.6¢ by program) where a card can transfer, otherwise at cash-out value. An estimate, not a guarantee. Earn rates and caps from issuer terms. How values work