Compare credit cards.
Calculate annual net cashback.
Compare consumer credit cards after annual fees and SST.
Salary & monthly spending
Total spending
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Yearly plan
Annual planned spend
100% repeats your monthly budget. Each month uses its own thresholds and caps.
Enrich Points calculator
Uses the same spending inputs and yearly plan.
Leave value at 0 to compare points without an RM estimate. Flight taxes, availability, FX costs and unused points are excluded.
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Each card uses your full budget. This is a comparison, not a spending allocation.
Best two-card combo
Find the two cards, and the spending split between them, that earn the most after costs.