How Much Reward Earnings Can I Actually Get?

By Leni Parrish on May 25, 2007

Tired of comparing credit cards and calculating the rewards earnings? American Express, Citibank, Discover, Bank of America, and other credit card companies offer dozens of competing Visa, MasterCard, AmEx, and Discover cards. Their reward policies for cashback/rebate, frequent flyer airline miles, and points are a complex mix of tiers, limits, categories, and earning percentages.

The Credit Card Rewards Wizard (http://tools.creditcardflyers.com) tool makes all of that easier. Simply estimate how much you spend each month, press Enter, and you’ll be presented with a list of recommended rewards cards with estimated reward earnings.

I also grabbed an example of how much reward earnings you can get from Blue Cash from American Express.

So what reward cards do you carry right now? Find out yours >>>

Blue Cash® from American Express® Rewards Earning Details

Estimated Monthly Spent Summary:

  • U.S. Postal Services: $12
  • Auto/Vehicle Rentals: $157.5
  • Phone and Internet: $78.7
  • Utilities (including TV): $154.4
  • Supermarkets and Drug Stores: $242.2
  • Restaurants: $166.5
  • Gas Stations: $165.2
  • Total you spend per month: $1284.95

    Annually Spent in Total: $15419.4

  • Rewards for Annual Spent between $0 and $6500

    Gas Rewards

    $835.67 * 1% = $8.36


    Total Gas Rewards Earning in 5.06 month(s): $8.36

    Restaurant Rewards

    $842.25 * 0.5% = $4.21


    Total Restaurant Rewards Earning in 5.06 month(s): $4.21

    Foodndrug Rewards

    $1,225.18 * 1% = $12.25


    Total Foodndrug Rewards Earning in 5.06 month(s): $12.25

    Utility Rewards

    $781.04 * 0.5% = $3.91


    Total Utility Rewards Earning in 5.06 month(s): $3.91

    Telecom Rewards

    $398.11 * 0.5% = $1.99


    Total Telecom Rewards Earning in 5.06 month(s): $1.99

    Autorental Rewards

    $796.72 * 0.5% = $3.98


    Total Autorental Rewards Earning in 5.06 month(s): $3.98

    Postal Rewards

    $60.70 * 0.5% = $0.30


    Total Postal Rewards Earning in 5.06 month(s): $0.30

    Other Rewards

    $1,560.31 * 0.5% = $7.80


    Total Other Rewards Earning in 5.06 month(s): $7.80

    Rewards for Annual Spent at $6500 or more

    Gas Rewards

    $1,146.73 * 5% = $57.34


    Total Gas Rewards Earning in 6.94 month(s): $57.34

    Restaurant Rewards

    $1,155.75 * 1.5% = $17.34


    Total Restaurant Rewards Earning in 6.94 month(s): $17.34

    Foodndrug Rewards

    $1,681.22 * 5% = $84.06


    Total Foodndrug Rewards Earning in 6.94 month(s): $84.06

    Utility Rewards

    $1,071.76 * 1.5% = $16.08


    Total Utility Rewards Earning in 6.94 month(s): $16.08

    Telecom Rewards

    $546.29 * 1.5% = $8.19


    Total Telecom Rewards Earning in 6.94 month(s): $8.19

    Autorental Rewards

    $1,093.28 * 1.5% = $16.40


    Total Autorental Rewards Earning in 6.94 month(s): $16.40

    Postal Rewards

    $83.30 * 1.5% = $1.25


    Total Postal Rewards Earning in 6.94 month(s): $1.25

    Other Rewards

    $2,141.09 * 1.5% = $32.12


    Total Other Rewards Earning in 6.94 month(s): $32.12

    Total Estimated Rewards Earnings Annually: $275.57

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