WalletFlo is now Flo. Same app, same account, new name.

Credit Card Rewards Calculator

Enter your monthly spend, select cards to compare, and see net annual value computed by the OneCard engine — rewards + credits + perks − annual fee.

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How the rewards calculator works

  1. 1Enter your estimated monthly spend across eight categories: dining, groceries, gas, travel, online, entertainment, transit, and everything else.
  2. 2Select one or more credit cards from the live WalletFlo catalog (1,000+ cards).
  3. 3The OneCard engine annualizes your spend, applies each card's category earn rates, adds stated credits and perks, and subtracts the annual fee.
  4. 4Compare net annual value side by side — the transparent number that shows what each card is actually worth for your wallet.

What is net annual value?

Net annual value is WalletFlo's headline metric: projected annual rewards plus credits and perks, minus the annual fee. It answers the question most card marketing avoids — after fees and realistic benefits, how much is this card worth per year on your spend?

Our calculator uses live earn-rate snapshots from the OneCard catalog, not static marketing copy. When Chase updates Sapphire Preferred dining multipliers, the calculator reflects it on the next catalog sync.

When to use this vs. other tools

Use the rewards calculator when you want to model your full spend profile across multiple cards. For a single purchase, try the Best Card for a Purchase tool. To rank the entire catalog, use the Wallet Optimizer. For head-to-head matchups, use Side-by-Side Compare.

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Frequently asked questions

Yes — public calculators call the same OneCard engine as the app. Identical inputs produce identical outputs.