Are WalletFlo calculators free?

Yes. All calculators on this page are free to use with no account required. The WalletFlo app adds connected-card tracking and weekly wallet scoring.

Where does the card data come from?

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

Do calculator results match the app?

Yes. Public calculators call the same API endpoints as the WalletFlo app. Identical inputs produce identical outputs.

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 against the cards you already carry.

Best Card Finder

Answer a few questions and get a shortlist built on your spend.

Best card for Purchase

Tell us what you're buying and see which card to reach for.

Card Directory

Browse and filter every card in the catalog by issuer and fee.

Credit Card Tools

Rewards Calculator

Net annual value on your spend, with the math shown.

Side by Side Compare

Up to four cards on one spend profile, line for line.

Is the Annual Fee worth it?

Credits and perks weighed against the fee, card by card.

Rewards Value Tools

Points & Miles → Dollars

Convert a points balance to an estimated cash value.

Award vs Cash

Compare redeeming points for travel against paying cash.

Transfer & Partner Tools

Transfer Partner Calculator

Model transfer ratios across programs before you move points.

Rewards Programs

Every program in the catalog, its partners and its transfer rates.

How Flo calculators work

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

Transparent
credit card
math

Every Flo 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 Flo app.

FAQ's

Yes — every calculator on this site is free, with no account needed.
From Flo's OneCard catalog — a database of credit card earn rates, annual fees, credits, perks, and transfer partners updated when issuer terms change.
They do. The website and the app call the same engine, so the same spend profile returns the same net annual value in both.