Credit Card Miles Earn Calculator
Enter your purchase amount and select your cards to see which one earns the most miles. Calculations use bank-specific rounding formulas and monthly caps.
Methodology & sources
- • Earn rates, monthly caps, and rounding follow the official terms for each card.
- • Bonus categories are applied from the MCC whitelist and blacklist for each card; the bonus rate drops to the base rate once the monthly cap is reached.
- • This tool uses the same reward logic as the merchant and card modules, so the answers never conflict.
- • Minimum-spend thresholds (where a card has one) are noted in the result but cannot be verified per transaction.
- • Reviewed 6 August 2026. Published by CheckMCC. Suggest a correction.