Rewards Gap Calculator

See exactly how much rewards value you are leaving on the table by using a card earning less than the best rate available for your spending.

Quick answer: See exactly how much rewards value is left on the table by using a card earning less than the best rate available for a given spending pattern. Enter Annual Card Spend, Your Current Rewards Rate, and Best Available Rewards Rate to personalize the estimate. It returns Rewards Gap so you can compare the impact before choosing a next step. Use it to compare payment, APR, total cost, credit impact, and lender or card tradeoffs.

Rewards Gap

$480

Rewards Gap

$480

Diagnostic

Your current card earns about $240 a year on this spend, versus $720 at the best available rate.

That is a $480 annual gap sitting on the table.

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What to do next

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Your action plan

1
Set the target and timeline for this plan
See exactly how much rewards value is left on the table by using a card earning less than the best rate available for a given spending pattern.
2
Pressure-test one alternate scenario before deciding
Assumptions change the answer, especially when rates, taxes, or timing matter.
3
Save the result to Money Map or use the linked next action
Turn the result into a prioritized action instead of treating it as a one-off number.

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This is an educational estimate, not tax, legal, investment, or lending advice. Tax rules, rates, and eligibility change and depend on your full situation. Confirm with a qualified professional or the provider before acting.

Calculator action path

Turn this result into a decision

Every SwitchWize calculator connects to a product comparison, rate context, guidance, alerts, and Money Map.

Rate authority hub

Compare

You could gain ~$480/yr — compare nowMove from calculation to current product options.

Rate Trend

Track card aprsUse market context before you decide when to act.

Guide

Citi Custom Cash vs Amex Blue Cash PreferredCiti Custom Cash vs Amex Blue Cash Preferred compared: adaptive top-category cashback vs fixed grocery and streaming bonus rates. See which earns more.

Money Map

Add this scenario to Money MapTurn the result into a saved opportunity or plan item.

Alert

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Top card picks

Reviewed Aug 8, 2026 · Methodology

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Advertising disclosure: SwitchWize may earn a referral fee if you open an account through a link above. This does not affect our rankings. Ranked using the SwitchWize methodology. Learn more

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Frequently Asked Questions

Everything you need to know.

What does the Rewards Gap Calculator show?

See exactly how much rewards value you are leaving on the table by using a card earning less than the best rate available for your spending.

How should I use the result?

Use the result as a planning and comparison aid. Review the assumptions, adjust your inputs, and compare the output with your actual options before acting.

What should I do after using this calculator?

Use the related links and next-action modules on the page to compare products, continue in Money Map, or review related guidance on SwitchWize.

Is the Rewards Gap Calculator free to use?

Yes. SwitchWize calculators are free, and you do not need an account to run scenarios or view the result.

Does using the Rewards Gap Calculator affect my credit score?

No. Using a calculator does not trigger a credit check. A credit impact can occur only if you apply directly with a lender, card issuer, or provider.

Are the results personalized financial advice?

No. Calculator outputs are educational estimates based on the inputs you enter. Review assumptions and confirm terms directly with providers before making a financial decision.

What should I do after seeing the result?

Use the recommendation module on this page to compare best credit cards ->, or run Money Map to compare this loans & credit decision with your other opportunities.

How does SwitchWize choose related offers?

Related offers are matched by the calculator surface (cashback) and ranked using SwitchWize data such as rate, fees, trust signals, product fit, and switching friction. Paid relationships do not change organic ranking order.

How fresh are the rates and offers shown?

Rate and offer data is reviewed on a recurring cadence and every offer module shows review context or links to the methodology and disclosure pages.

Where can I see the ranking methodology?

The SwitchWize methodology page explains how rate freshness, editorial review, affiliate disclosure, and category ranking factors work.

Can Money Map use this result?

Yes. Money Map is the broader diagnostic path: it compares savings, mortgage, cards, and debt so you can see whether this calculator result is your highest-impact next move.