Built for Business Owners

Your spending is worth thousands in free travel.
Find out how much.

Plug in your real spending and check off the cards you carry. The calculator shows you the flights, hotel nights, and vacations hiding inside expenses you're paying for. Business owners have the most to gain, but it works for anyone who spends on a card.

Already earning points? The Points Calculator checks a booking and shows where your points transfer.

Step 01
The cards you carry
Check every card you have. The calculator picks the best earner in your wallet for each spending category.
Selected: 0 cards Combined annual fees: $0
Step 02
Your monthly spending
These starting numbers model an average small business owner with a family. Drag each slider to match yours.
Total monthly spend
$0 per year
$0
Step 03
A point's worth to you
A point's value depends on how you redeem it. Cash back gets you 1 cent. A business class seat to Europe can get you 3 to 5 cents per point. Pick what fits how you'd use them.
If you're getting close to 1 cent per point, reach out. Doubling or tripling the value of your points is what I help people do.
Cents per point (CPP) 1.0¢
Cash back rate. Simple, but you are leaving most of the value behind.
Your annual earning potential
Your spending's worth
$0
Add cards and adjust spending to see your number
Points / year
0
Net of fees
$0
Top earning categories
The trips this buys you

A year of your spending could pay for a real trip.

Real award redemptions, valued using Frequent Miler's Reasonable Redemption Values. Highlighted trips are ones you can book with a year of earning at your current setup.

Your setup over 10 years
$0
What the cards you picked would earn over the next decade at today's spending, after annual fees. It leaves out sign-up bonuses and assumes your spending and your point value stay the same.

Want help making this real?

On a free 30-minute call, I'll review your current setup, suggest 1 or 2 card moves that fit your spending and goals, and walk you through what happens next. No pressure, no pitch.

Let points cover your next trip
The mechanics: Each spending category goes to whichever of your selected cards earns the highest effective return. Point values use Frequent Miler's Reasonable Redemption Values. Cashback cards (Mercury IO, Robinhood Gold) stay valued at 1¢ regardless of the CPP slider since cash can't be transferred to airlines or hotels. Sign-up bonuses are not included in these ongoing numbers. Real results depend on the cards you hold and how you redeem. CardWise is not a financial advisor.