Points potential calculator
Turn your monthly spend into a clearer points target.
Enter your monthly card spend, top category, and current earn rate. The result is an estimate designed to start the conversation, not a guarantee of travel value or issuer approval.
Calculator
Estimate your annual points gap
Estimated upside
You may be leaving this much behind:
480,000 points/year
- Current estimate
- 240,000
- Optimized estimate
- 720,000
That is roughly 8 sets of round-trip economy tickets to the Caribbean, depending on award availability and issuer transfer options.
Email Eric about my resultsHow we estimate this
This calculator multiplies monthly spend by your current earn rate, then compares it with an illustrative category-optimized earn rate. It is an estimate, not a promise of card approval, award availability, or travel value.
Want to see what your current card setup is leaving behind?
Send Eric a note or run the points calculator first.