Welcome Bonus Value Calculator

Enter your monthly spend across five categories and how much annual fee you can tolerate. We calculate each card's actual first-year net value — welcome bonus plus a year of everyday spend, minus the fee — using RewardsWise's own point valuations.

This calculator needs JavaScript to rank cards. With JavaScript off: welcome bonus value is each bonus tier you can meet, converted to dollars at RewardsWise's published valuation for that program, plus a year of point-earning on your spend, minus the annual fee (waived if the card has a first-year-free offer).

Want a human to actually find the seats and book it? Email a travel advisor →

Not financial advice. Rates and offers change — always verify with the issuer.

Card data verified as of 2026-08-10.