Sign-up Bonus Worth Calculator
Calculate the true dollar value of a credit card welcome bonus.
Welcome bonus points offered
cpp
Cents per point when redeeming
$
Spend required to earn the bonus
Timeframe to meet minimum spend
Results
Excellent! 22.5% return on your spend.
Bonus Dollar Value$900
Effective Return Rate22.5%
Monthly Spend Required$1,333/mo
Total First-Year Value$900
Tip: A return rate of 15%+ on minimum spend is considered excellent. Most everyday purchases earn 1-2% back, so bonuses are a great way to maximize rewards.
How It Works
This calculator converts a credit card sign-up bonus into its real dollar value based on how you redeem points.
- Bonus dollar value = Bonus points x Point value (in cents) / 100
- Effective return rate = Bonus value / Minimum spend x 100%
- First-year value includes the annual fee if not waived.
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