Calculator

Rewards value calculator

Enter what you spend each month. We estimate annual rewards value, subtract the annual fee, and show which cards fit — including whether your spending realistically clears each intro offer.

Top match

Meridian Horizon Elite

Est. rewards / year

$748

Net of annual fee

$353

First-year total

$1,453

4x travel and dining, 2x everything else, plus a $300 annual travel credit. APR 21.99%–30.49% variable, annual fee $395. Intro offer requires $6,000 in 6 months — your spending clears it.

Estimated annual value by card

Card	Est. rewards/yr	Annual fee	Net value	First-year total	APR range
Meridian Horizon Elite	$748	$395	$353	$1,453	21.99%–30.49%
Atlas Rewards Signature	$414	$95	$319	$1,069	20.24%–28.99%
Northline Market 5%	$559	$0	$559	$809	19.99%–29.99%
Atlas Everyday Cash	$446	$0	$446	$646	19.24%–29.24%
Harbor Flex Business	$463	$0	$463	$463	20.49%–27.49%
Meridian Start Secured	$335	$0	$335	$335	24.99%–29.99%
Harbor ClearPath Transfer	$335	$0	$335	$335	17.99%–27.99%
Northline Zero Balance Transfer	$0	$0	$0	$0	18.49%–28.49%

Recommended cards for this spending

Meridian Card Co.

Meridian Horizon Elite

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TravelRewards

Meridian Horizon Elite

Premium travel credits for frequent flyers who use every perk.

$353 estimated net rewards per year at your spending

Purchase APR

21.99%–30.49% variable

Annual fee

$395

Balance transfer fee

5% (min $10)

Foreign transaction fee

None

Rewards

4x travel and dining, 2x everything else, plus a $300 annual travel credit

Intro offer: 80,000 miles, valued at about $1,100 toward travel — estimated value $1,100, requires $6,000 in spend within 6 months.

$300 annual travel credit
Airport lounge access
No foreign transaction fees

$395 annual fee
Requires excellent credit
Perks only pay off with regular travel

Compare this card About Meridian Card Co.

Rates and fees are estimates and vary by creditworthiness. See full disclosure below.

Atlas Bank

Atlas Rewards Signature

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RewardsTravel

Atlas Rewards Signature

Flexible points for people who fly more than they file expense reports.

$319 estimated net rewards per year at your spending

Purchase APR

20.24%–28.99% variable

Annual fee

$95

Balance transfer fee

5% (min $5)

Foreign transaction fee

None

Rewards

5x travel booked through Atlas, 3x dining, 2x all other travel, 1x everything else

Intro offer: 60,000 bonus points, valued at about $750 when redeemed for travel — estimated value $750, requires $4,000 in spend within 3 months.

Points transfer to 14 airline and hotel partners
No foreign transaction fees
$50 annual hotel credit through the Atlas portal

$95 annual fee
Weak grocery earn rate
Best value requires travel redemptions

Compare this card About Atlas Bank

Rates and fees are estimates and vary by creditworthiness. See full disclosure below.

Northline Financial

Northline Market 5%

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Cash backRewards

Northline Market 5%

Grocery-forward cash back for households that cook.

$559 estimated net rewards per year at your spending

Purchase APR

19.99%–29.99% variable

Annual fee

Balance transfer fee

5% (min $5)

Foreign transaction fee

Rewards

5% at grocery stores (on up to $6,000/yr), 3% online, 1% everywhere else

Intro offer: $250 statement credit after qualifying spend — estimated value $250, requires $1,500 in spend within 3 months.

Intro APR: 0% for 12 months on purchases, then 19.99%–29.99% variable.

Strong 5% grocery rate
No annual fee
3% online shopping rate

$6,000 annual grocery cap
No travel protections
Foreign transaction fee

Compare this card About Northline Financial

Rates and fees are estimates and vary by creditworthiness. See full disclosure below.

Atlas Bank

Atlas Everyday Cash

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Cash back

Atlas Everyday Cash

Flat-rate cash back with nothing to activate or track.

$446 estimated net rewards per year at your spending

Purchase APR

19.24%–29.24% variable

Annual fee

Balance transfer fee

3% intro, then 5%

Foreign transaction fee

Rewards

2% cash back on every purchase, no categories, no caps

Intro offer: $200 cash bonus after qualifying spend — estimated value $200, requires $500 in spend within 3 months.

Intro APR: 0% for 15 months on purchases and balance transfers, then 19.24%–29.24% variable.

No annual fee
Simple flat 2% on everything
15-month 0% intro APR

3% foreign transaction fee
No bonus categories to accelerate earning

Compare this card About Atlas Bank

Rates and fees are estimates and vary by creditworthiness. See full disclosure below.

Illustrative cards & advertiser disclosure. LendingHookup is a comparison experience. The cards, issuers, rates and offers currently shown are illustrative examples, not live offers. We may receive compensation if affiliate offers are added. Rewards and intro values are estimates; required spend, annual fees, transfer fees and variable APRs apply. Approval is not guaranteed. Review the issuer’s current terms before applying.