Tools & Templates
Lightweight calculators and checklists — built on the same frameworks as the articles, designed to help you apply them quickly.
Effective Return Calculator
Convert earn rates and point valuations into a single comparable percentage. Helps you decide between cashback and points cards, or compare portal rates against category bonuses.
Open calculatorPoints Value Calculator
Calculate the expected dollar value of a points balance at conservative, typical, and aspirational valuation scenarios.
Open calculatorPortal vs. Card Multiplier
Enter the portal cashback rate and your card earn rate to see which wins — and what you gain by stacking both.
Open calculatorProgram Valuations
Editorial cents-per-point valuations for airline miles, hotel points, and transferable bank currencies. See what your points are worth.
View valuationsMonthly Review Checklist
A 15-minute checklist for monthly rewards review — covering credits, offers, expirations, and portal rate checks.
View checklist