WalletFlo is now Flo. Same app, same account, new name.

Calculators & tools

Free credit card calculators powered by the OneCard engine — transparent rewards + benefits − annual fee math for every tool.

Card Finders & Optimizers

Wallet Optimizer

Rank the full catalog by net annual value for your spend profile.

Best Card Finder

Filter by issuer and fee — get ranked recommendations.

Best Card for a Purchase

Find the top earn rate for a single category purchase.

Card Directory

Browse every card we cover with earn rates and Apply links.

Credit Card Tools

Rewards Calculator

Model spend across categories and compare net annual value.

Side-by-Side Compare

Compare two to four cards on the same spend profile.

Is the Annual Fee Worth It?

Credits & perks vs annual fee — live OneCard catalog data.

Rewards Value Tools

Points & Miles → Dollars

Convert points to dollars with per-program benchmarks.

Award vs Cash

Points price vs cash price → cents per point vs benchmark.

Transfer & Partner Tools

Transfer Partner Calculator

Convert across partner programs with catalog transfer ratios.

Rewards Programs

Points, miles, and transfer partner guides.

How WalletFlo calculators work

  1. 1Pick a calculator for your question — rewards, comparison, points value, or transfers.
  2. 2Enter your spend profile, card shortlist, or redemption details.
  3. 3The OneCard engine runs on WalletFlo servers using live catalog earn rates, credits, and perks.
  4. 4Review net annual value, cents-per-point, or ranked recommendations with full breakdowns.

Transparent credit card math

Every WalletFlo calculator uses the same OneCard engine as the mobile app. Reward rates come from our card catalog snapshots; credits and perks are summed from issuer terms; annual fees are subtracted to show net annual value.

Unlike generic comparison sites, we never estimate rewards in your browser. All earn-rate math runs server-side so results stay consistent whether you use the website or the WalletFlo app.

Related tools

Frequently asked questions

From WalletFlo's OneCard catalog — a database of credit card earn rates, annual fees, credits, perks, and transfer partners updated when issuer terms change.