free rewards gap calculator

how much are you leaving on the table?

Three quick questions. One number: how much more your spending could earn each year, after fees. Nothing you enter leaves this device.

Already know your cards? Compare them here.

step 1 of 3

which sounds most like you?

This just fills in typical spending. You can change anything below.

step 2 of 3

what do you spend in a month?

Groceriesfood from the store, Costco runs$450

Eating out and deliveryrestaurants, coffee, Uber Eats$300

Gas and transitfill-ups, Presto, Uber rides$150

Bills and subscriptionsphone, internet, Netflix, Spotify$150

Travelflights and hotels, averaged per month$150

Everything elseshopping, Amazon, pharmacy, gifts$400

Monthly total$1,600

step 3 of 3

what do you use now?

Your current card

Its annual fee

Is your income over $60k, or your household over $100k?

Only show cards with no annual fee

perkify · rewards gap

Rewards calculation unavailable.

We only show dollar amounts for cards whose rates we've checked against the issuer's website. We're checking our launch cards now, and results will appear here as each one is confirmed.

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First 50 members get free access at launch.

Estimates only, not financial advice. Spending caps, welcome bonuses and approval odds are not included. Only cards whose earn rates have been checked against the issuer's website are used, so confirm current terms with the issuer. Point values follow our methodology. Rewards only pay off if you pay your balance in full each month. perkify is not affiliated with any card issuer.