Credit card advice generally involves inflating the value of points to make cards look as good as possible. These three calculators help you figure out the value to you of a credit card using your own spending and more conservative point valuations. The break-even calculator helps you determine if your spending justifies an annual fee. The welcome offer comparison helps you compare credit card welcome offers, including required spending, and determine their cash value. And the credit card earnings calculator determines how much you'd earn annually on a credit card based on specific spending categories. All three use a conservative value of 1¢/point as a floor valuation. All are free to use, with no signup required.
I wanted to figure out before applying for a credit card if it was actually worth applying.