Example result
would have paid you
a year in rewards, after annual fees
vs
· Change
Estimates from your statements and each card's published terms. Not financial advice or a guarantee of approval. Terms change, so check the issuer before you apply.
Everything runs in this page. Your files are never sent anywhere.
Files
Your statements
Each file, what was read from it, and which card it is from. Pick the card for each one to see what your current cards earned and what you missed.
Statements
Cards you hold
Add any other card you carry so its annual fee counts, even without a statement.
One more step
Which cards are these from?
This compares the best cards with the ones you already have. Statements from one account are grouped, so pick each account's card once. If a card isn't listed, choose Other.
Not all from one card? Set each statement on the Files page
Quick check
Is this the right category?
Swipe guide
Which card gets which purchases
Using example data.
Single cards
Every card on its own
Net value if all of your spending went on one card, after the annual fee.
Using example data.
Cards in the best setup
Estimates from your statements and each card's published terms, not financial advice and not a promise that you'll be approved for any card. Terms change, so check the issuer's page before you apply.
What it earns on your spending
| Category | Spend a year | Pays | Earned |
|---|
What else it comes with
| Perk | What you get |
|---|
Estimates from your statements and each card's published terms, not financial advice and not a promise that you'll be approved for any card. Terms change, so check the issuer's page before you apply.
Quick estimate
What do you spend in a typical month?
Enter at least one amount to see an estimate.
Rough numbers are fine, and blanks count as $0. What you type stays in this page.
Statement credits
Pick the credits you'd really use
Using example data.
Each starts at what your statements show you'd have used. Set what you'd really spend, and every result updates.
Your spending
Where the money went
Using example data.
Categories
Check how purchases were sorted
Your biggest merchants and where they landed. Change one and every purchase from it moves, and every page updates. Issuers decide categories by merchant code, which statements don't show, so mark anything you bought on a website or app as online shopping.
| Merchant | Spend a year | Category |
|---|
Your spending,
maxxed.
It only takes a year of statements.
No statements handy? Get a quick estimate in 30 seconds →
Everything runs in this page. Your files are never sent anywhere.
PointMaxx looks back at what you actually spent, a year of statements or whatever stretch you have, and works out which one, two or three credit cards would have paid you the most over that time. It compares over 50 cards and shows how much more you'd have earned than with the cards you carry now.
- Add your statementsDownload CSV or PDF statements from your card's website and drop them in. They're read inside this page and never uploaded.
- We replay every purchaseEach purchase is sorted into a category and run through every card's actual terms: bonus rates, spending caps, rotating categories, sign-up bonuses, statement credits and annual fees.
- See what you left on the tableGet the best one-, two- and three-card setups, what each would have earned after fees, and how much more that is than your current cards made.
Results are estimates from your past spending and each card's published terms, not financial advice.