If you pay a fee to put spend on a credit card — rent, tuition, a tax bill — you're buying points. This shows you the price you're paying and whether it's a good one.
Same spend type, same fee. Sorted by what you actually net per dollar.
Points you can move between airlines and hotels are worth more than miles locked to one airline. That is the whole reason the numbers differ.
| Card | Earn | Value | Net / $ | On your volume |
|---|
Points earned per dollar × what you value a point at = cents earned. Subtract the fee and you have the real answer.
A card earning 1 point per dollar, with points worth 1.2¢, earns you 1.2¢ per dollar spent. A 2.9% fee costs 2.9¢ per dollar. You're down 1.7¢ on every dollar — paying $2.90 to buy $1.20 of points.
Most people never run this. They assume any points beat no points. At a 2.9% fee, most cards lose.
These are conservative and adjustable. Your own numbers matter more than anyone's published chart.
Suite Routes routes every category of your spending to the right card, shows the math on every recommendation, and tells you what it costs in points to chase elite status. Every recommendation shows what we earn from it — today, nothing.
Open the dashboard