Free tools
Calculators, not just rankings.
Convert any points balance into dollars, or check whether a card's annual fee actually earns its keep — using the same Standard Index and card data behind every ranking on this site.
Take the quiz
Which card should I get?
Answer a few questions about your spending and goals to get your top 3 card matches, scored the same way as every ranking on this site.
Points → dollars
Points value calculator
Pick a loyalty program and enter your balance to see the easy floor, Standard value, and strong-redemption ceiling in Canadian dollars.
Compare every program
Points comparison table
See the same balance valued across every program on The Points Standard Index at once — useful for deciding which points to earn or transfer.
Fee vs. rewards
Card value calculator
Pick one or two cards and your annual spend to see net value after the fee — in the bonus-heavy first year, and every year after.
Build your own matchup
Card comparison explorer
Pick any 2–3 cards from the database and compare the Standard Score breakdown, fees, earn rates, benefits, and net value side by side.
Interactive methodology
Score it your way
Re-weight the six Standard Score components to your own priorities and see every published card re-ranked live — no change to the official score.