Free Credit Card Rewards Calculator

Calculating Credit Card Rewards vs Interest Costs

To use the Credit Card Rewards Calculator on your web site, simply copy and paste the script below to the desired location within your page file. Instructions for changing background colors, fonts, etc. are shown in the script. The script is free and we only ask that you consider providing a link back to www.sagetips.com.

<-php
// 
// Credit Card Rewards Calculator 
// 
// Credit Card Rewards Calculator helps users determine 
// the monthly and annual amounts they can earn from credit cards 
// paying percentage rewards (typically 1% or 2%) on eligible purchases. 
// The calculator also computes the amount of interest that will be paid 
// (at various APR rates)if users carry balances at various levels. 
// The purpose is to show users how carrying a credit card balance 
// diminishes the rewards earned and to help them determine the break-even point. 
// 
// Author: http://www.529rewards.com 
// Copyright: 
// You may freely use this script on your website. 
// All that I ask in return is you keep the link to my site http://www.529rewards.com and copyright notice intact. 
// To get the program to run, simply replace -> and <-php with the php code. 
// 
// Usage: 
// This script can be used as standalone web page or include it into other 
// PHP script. In the latter case you can setup $creditCardCalc_* parameters 
// before including of the script. 
//
// Parameters - uncomment and set any parameter you want to change 
//$creditCardCalc_bgColor = "#ffffff"; // Page's background color 
//$creditCardCalc_tableBgColor = "#ffffff"; // Table's background color 
//$creditCardCalc_tableRowColor1 = "#ffffff"; // Row's background color for odd rows 
//$creditCardCalc_tableRowColor2 = "#ffffff"; // Row's background color for even rows 
//$creditCardCalc_tableWidth = ""; // Width of the table (in pixels) 
//$creditCardCalc_font = ""; // Basic font (CSS style) 
//$creditCardCalc_htmlHeaders = true; // Display HTML headers
$calc = new CreditCardCalc(); // New instance of CreditCardCalc object
if (isset($creditCardCalc_bgColor)) { // Page's background color 
 $calc->bgColor = $creditCardCalc_bgColor; 
} 
if (isset($creditCardCalc_tableBgColor)) { // Table’s background color 
 $calc->tableBgColor = $creditCardCalc_tableBgColor; 
} 
if (isset($creditCardCalc_tableRowColor1)) { // Row’s background color for odd rows 
 $calc->tableRowColor1 = $creditCardCalc_tableRowColor1; 
} 
if (isset($creditCardCalc_tableRowColor2)) { // Row’s background color for even rows 
 $calc->tableRowColor2 = $creditCardCalc_tableRowColor2; 
} 
if (isset($creditCardCalc_tableWidth)) { // Width of the table (in pixels or %) 
 $calc->tableWidth = $creditCardCalc_tableWidth; 
} 
if (isset($creditCardCalc_font)) { // Basic font (CSS style) 
 $calc->font = $creditCardCalc_font; 
} 
if (isset($creditCardCalc_htmlHeaders)) { // Flag of displaying htmlHeaders 
 $calc->htmlHeaders = $creditCardCalc_htmlHeaders; 
}
// Class for credit card rewards calculator 
class CreditCardCalc {
 var $bgColor = ‘#ffffff’; // Default color of the page’s background 
 var $tableBgColor = ‘#ffffff’; // Table’s background color 
 var $tableRowColor1 = ‘#ffffff’; // Row’s background color for odd rows 
 var $tableRowColor2 = ‘#ffffff’; // Row’s background color for even rows 
 var $tableWidth = ”; // Width of the table (in pixels) 
 var $font = “”; // Basic font 
 var $htmlHeaders = true; // HTML headers displayed by default 
 var $basicRewards = ”, $mep1 = ”, $mep2 = ”, $mep3 = ”, $mep4 = ”, $mep5 = ”, 
 $specBrandsRebate = ”, $specPurchases = ”, $cardBalance = ”, $apr = ”; 
 var $basicRewards_err = false, $mep1_err = false, $mep2_err = false, $mep3_err = false, 
 $mep4_err = false, $mep5_err = false, $purchases_err = false, 
 $specBrandsRebate_err = false, $specPurchases_err = false, $cardBalance_err = false, 
 $apr_err = false, $errors = false, $displayResults = false; 
 var $monthlyBasicReward, $monthlySpecificReward, $annualCharges;
 // Class constructor 
 function CreditCardCalc() { 
 if ($this->isFormSubmitted()) { // The form is submitted 
 $this->basicRewards = $this->getRequestValue(’basic_rewards’); 
 $this->mep1 = $this->getRequestValue(’mep1′); 
 $this->mep2 = $this->getRequestValue(’mep2′); 
 $this->mep3 = $this->getRequestValue(’mep3′); 
 $this->mep4 = $this->getRequestValue(’mep4′); 
 $this->mep5 = $this->getRequestValue(’mep5′); 
 $this->specBrandsRebate = $this->getRequestValue(’spec_brands_rebate’); 
 $this->specPurchases = $this->getRequestValue(’spec_purchases’); 
 $this->cardBalance = $this->getRequestValue(’card_balance’); 
 $this->apr = $this->getRequestValue(’apr’); 
 $this->validateForm(); 
 } 
 }
 function displayResults() { 
 return $this->displayResults; 
 }
 function includeHtmlHeaders() { 
 return $this->htmlHeaders; 
 }
 function getBgColor() { 
 return $this->bgColor; 
 }
 function getTableBgColor() { 
 return $this->tableBgColor; 
 }
 function getTableRowColor1() { 
 return $this->tableRowColor1; 
 }
 function getTableRowColor2() { 
 return $this->tableRowColor2; 
 }
 function getTableWidth() { 
 return $this->tableWidth != ” ? ” width=”$this->tableWidth”" : ”; 
 }
 function getFont() { 
 return $this->font; 
 }
 function getRequestValue($s) { 
 return isset($_REQUEST[$s]) ? trim(htmlentities($_REQUEST[$s])) : ”; 
 }
 // Test if value is set 
 function isValueSet($s) { 
 return isset($_REQUEST[$s]); 
 }
 // Check if form is submitted 
 function isFormSubmitted() { 
 return $this->getRequestValue(’form’) == ’submitted’; // Hidden field 
 }
 function validateForm() { 
 if (!$this->validPositiveNumber($this->basicRewards)) 
 $this->errors = $this->basicRewards_err = true; 
 if (!$this->validPositiveNumber($this->mep1, true)) 
 $this->errors = $this->mep1_err = true; 
 if (!$this->validPositiveNumber($this->mep2, true)) 
 $this->errors = $this->mep2_err = true; 
 if (!$this->validPositiveNumber($this->mep3, true)) 
 $this->errors = $this->mep3_err = true; 
 if (!$this->validPositiveNumber($this->mep4, true)) 
 $this->errors = $this->mep4_err = true; 
 if (!$this->validPositiveNumber($this->mep5, true)) 
 $this->errors = $this->mep5_err = true; 
 if (!$this->validPositiveNumber($this->specBrandsRebate, true)) 
 $this->errors = $this->specBrandsRebate_err = true; 
 if (!$this->validPositiveNumber($this->specPurchases, true)) 
 $this->errors = $this->specPurchases_err = true; 
 if (!$this->validPositiveNumber($this->cardBalance)) 
 $this->errors = $this->cardBalance_err = true; 
 if (!$this->validPositiveNumber($this->apr)) 
 $this->errors = $this->apr_err = true; 
 if (!$this->errors) { // Everything OK 
 $this->displayResults = true; 
 $basicRewards = $this->getValue($this->basicRewards); 
 $mep1 = $this->getValue($this->mep1); 
 $mep2 = $this->getValue($this->mep2); 
 $mep3 = $this->getValue($this->mep3); 
 $mep4 = $this->getValue($this->mep4); 
 $mep5 = $this->getValue($this->mep5); 
 $specBrandsRebate = $this->getValue($this->specBrandsRebate); 
 $specPurchases = $this->getValue($this->specPurchases); 
 $cardBalance = $this->getValue($this->cardBalance); 
 $apr = $this->getValue($this->apr); 
 $monthlyBasicReward = $this->getValue($this->monthlyBasicReward); 
 $monthlySpecificReward = $this->getValue($this->monthlySpecificReward); 
 $annualCharges = $this->getValue($this->annualCharges); 
 $this->monthlyBasicReward = $basicRewards * ($mep1 + $mep2 + $mep3 + $mep4 
 + $mep5) / 100; 
 $this->monthlySpecificReward = $specBrandsRebate * $specPurchases / 100; 
 $this->annualCharges = $cardBalance * $apr / 100; 
 $this->annualDifference = ($this->monthlyBasicReward + $this->monthlySpecificReward) 
 * 12 - $this->annualCharges; 
 }
 }
 // Validates typed-in number 
 function validPositiveNumber($string, $empty = false) { 
 $number = str_replace(’,', ”, $string); // Strip the thousands separators 
 return ($empty && $string == ”) || (is_numeric($number) && $number >= 0); 
 }
 function getValue($number) { 
 return str_replace(’,', ”, $number); 
 }
 function getErrorMessage() { 
 if ($this->errors) { 
 return “ 
<tr>
<td colspan="3" align="center">There are errors or missing data above!</td>
</tr>
“; 
 } 
 }
 function redStart($err) { 
 if ($err) { 
 return ““; 
 } 
 }
 function redEnd($err) { 
 if ($err) { 
 return ““; 
 } 
 }
 // Format number 
 function formatCurrency($number) { 
 if ($number < 0) { 
 $number = -$number; 
 $prfx = "-$”; 
 $sfx = ““; 
 } else { 
 $prfx = “$”; 
 $sfx = “”; 
 } 
 return $prfx . number_format($number, 2); 
 }
 function getBasicReward($annual = false) { 
 return $this->formatCurrency($this->monthlyBasicReward * ($annual ? 12 : 1)); 
 }
 function getSpecificReward($annual = false) { 
 return $this->formatCurrency($this->monthlySpecificReward * ($annual ? 12 : 1)); 
 }
 function getInterestCharges($annual = false) { 
 return $this->formatCurrency($this->annualCharges / ($annual ? 1 : 12)); 
 }
 function getDifference($annual = false) { 
 return $this->formatCurrency($this->annualDifference / ($annual ? 1 : 12)); 
 }
 function getBreakEvenPoint() { 
 if ($this->apr > 0) { 
 return $this->formatCurrency(1200 * ($this->monthlyBasicReward 
 + $this->monthlySpecificReward) / $this->apr); 
 } else { 
 return “boundless”; 
 } 
 }
}
// —- HTML Section —- 
-> 
<-php if ($calc->includeHtmlHeaders()): -> 
<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd"> 
<html> 
<head>
</head> 
<body bgcolor="<-php echo $calc->getBgColor() ->”> 
 
<-php endif; ->
<div align="center" style="<-php echo $calc->getFont() ->”>
<table border="0" cellspacing="0" cellpadding="0">
<tr>
<td>
<form action="<-php echo $_SERVER['PHP_SELF'] ->” method=”POST”>
<input type="hidden" name="form" value="submitted">
<div align="center" valign="middle">
<table border="0" cellspacing="0" cellpadding="2" bgcolor="<-php echo $calc->getTableBgColor() ->”<-php echo $calc->getTableWidth() ->>
<tr>
<td colspan="3" align="center">
<h3>Credit Card Rewards Calculator</h3>
</td>
</tr>
<tr bgcolor="<-php echo $calc->getTableRowColor1() ->”>
<td align="left">
 <-php echo $calc->redStart($calc->basicRewards_err)-> 
 Basic Rewards:  
 <-php echo $calc->redEnd($calc->basicRewards_err)->
 </td>
<td align="right" valign="middle">
<input type="text" name="basic_rewards" value="<-php echo $calc->basicRewards ->” size=”6″ style=”text-align:right”>
 </td>
<td valign="middle" align="left">%</td>
</tr>
<tr bgcolor="<-php echo $calc->getTableRowColor1() ->”>
<td align="left">
 <-php echo $calc->redStart($calc->purchases_err) -> 
 Monthly Eligible Purchases:  
 <-php echo $calc->redEnd($calc->purchases_err) ->
 </td>
<td> </td>
<td> </td>
</tr>
<tr bgcolor="<-php echo $calc->getTableRowColor1() ->”>
<td align="left">
 <-php echo $calc->redStart($calc->mep1_err) -> 
 - Groceries: 
 <-php echo $calc->redEnd($calc->mep1_err) ->
 </td>
<td align="right" valign="middle">
 $ 
<input type="text" name="mep1" value="<-php echo $calc->mep1 ->” size=”10″ style=”text-align:right”>
 </td>
<td> </td>
</tr>
<tr bgcolor="<-php echo $calc->getTableRowColor1() ->”>
<td align="left">
 <-php echo $calc->redStart($calc->mep2_err) -> 
 - Dining Out: 
 <-php echo $calc->redEnd($calc->mep2_err) ->
 </td>
<td align="right" valign="middle">
 $ 
<input type="text" name="mep2" value="<-php echo $calc->mep2 ->” size=”10″ style=”text-align:right”>
 </td>
<td> </td>
</tr>
<tr bgcolor="<-php echo $calc->getTableRowColor1() ->”>
<td align="left">
 <-php echo $calc->redStart($calc->mep3_err) -> 
 - Large Purchases: 
 <-php echo $calc->redEnd($calc->mep3_err) ->
 </td>
<td align="right" valign="middle">
 $ 
<input type="text" name="mep3" value="<-php echo $calc->mep3 ->” size=”10″ style=”text-align:right”>
 </td>
<td> </td>
</tr>
<tr bgcolor="<-php echo $calc->getTableRowColor1() ->”>
<td align="left">
 <-php echo $calc->redStart($calc->mep4_err) -> 
 - Services: 
 <-php echo $calc->redEnd($calc->mep4_err) ->
 </td>
<td align="right" valign="middle">
 $ 
<input type="text" name="mep4" value="<-php echo $calc->mep4 ->” size=”10″ style=”text-align:right”>
 </td>
<td> </td>
</tr>
<tr bgcolor="<-php echo $calc->getTableRowColor1() ->”>
<td align="left">
 <-php echo $calc->redStart($calc->mep5_err) -> 
 - Other: 
 <-php echo $calc->redEnd($calc->mep5_err) ->
 </td>
<td align="right" valign="middle">
 $ 
<input type="text" name="mep5" value="<-php echo $calc->mep5 ->” size=”10″ style=”text-align:right”>
 </td>
<td> </td>
</tr>
<tr bgcolor="<-php echo $calc->getTableRowColor2() ->”>
<td align="left">
 <-php echo $calc->redStart($calc->specBrandsRebate_err)-> 
 Rebate for Specific Brands: 
 <-php echo $calc->redEnd($calc->specBrandsRebate_err)->
 </td>
<td align="right" valign="middle">
<input type="text" name="spec_brands_rebate" value="<-php echo $calc->specBrandsRebate ->” size=”6″ style=”text-align:right”>
 </td>
<td valign="middle">%</td>
</tr>
<tr bgcolor="<-php echo $calc->getTableRowColor2() ->”>
<td align="left">
 <-php echo $calc->redStart($calc->specPurchases_err)-> 
 Monthly Eligible Specific Purchases:  
 <-php echo $calc->redEnd($calc->specPurchases_err)->
 </td>
<td align="right" valign="middle">
 $ 
<input type="text" name="spec_purchases" value="<-php echo $calc->specPurchases ->” size=”10″ style=”text-align:right”>
 </td>
<td> </td>
</tr>
<tr bgcolor="<-php echo $calc->getTableRowColor1() ->”>
<td align="left">
 <-php echo $calc->redStart($calc->cardBalance_err)-> 
 Typical Monthly Credit Card Balance:  
 <-php echo $calc->redEnd($calc->cardBalance_err)->
 </td>
<td align="right" valign="middle">
 $ 
<input type="text" name="card_balance" value="<-php echo $calc->cardBalance ->” size=”10″ style=”text-align:right”>
 </td>
<td> </td>
</tr>
<tr bgcolor="<-php echo $calc->getTableRowColor1() ->”>
<td align="left">
 <-php echo $calc->redStart($calc->apr_err)-> 
 APR Finance Charge on Balance Carried:  
 <-php echo $calc->redEnd($calc->apr_err)->
 </td>
<td align="right" valign="middle">
<input type="text" name="apr" value="<-php echo $calc->apr ->” size=”6″ style=”text-align:right”>
 </td>
<td valign="middle">%</td>
</tr>
 <-php echo $calc->getErrorMessage() ->
<tr>
<td colspan="3" height="5"></td>
</tr>
<tr>
<td colspan="3" align="center" valign="">
<input type="submit" value="Calculate"> 
<input type="reset" value="Clear" onclick="javascript:for(var i=1;i<=10;i++){this.form[i].value='';};return false;">
 </td>
</tr>
<tr>
<td colspan="3" height="5"></td>
</tr>
</table></div>
</form>
</td>
</tr>
 <-php if ($calc->displayResults()): -> 
 
<tr>
<td height=""="20"></td>
</tr>
<tr>
<td>
<div align="center" valign="middle">
<table border="0" cellspacing="0" cellpadding="2" bgcolor="<-php echo $calc->getTableBgColor() ->”<-php echo $calc->getTableWidth() ->>
<tr>
<td colspan="4" align="center">
<h3 align="center">Results</h3>
</td>
</tr>
<tr bgcolor="<-php echo $calc->getTableRowColor1() ->”>
<td align="left"> </td>
<td align="center"> Monthly</td>
<td> </td>
<td align="center"> Annual</td>
</tr>
<tr bgcolor="<-php echo $calc->getTableRowColor2() ->”>
<td align="left">Basic rewards: </td>
<td align="right"><-php echo $calc->getBasicReward() -></td>
<td> </td>
<td align="right"><-php echo $calc->getBasicReward(true) -></td>
</tr>
<tr bgcolor="<-php echo $calc->getTableRowColor1() ->”>
<td align="left">Specific rewards: </td>
<td align="right"><-php echo $calc->getSpecificReward() -></td>
<td> </td>
<td align="right"><-php echo $calc->getSpecificReward(true) -></td>
</tr>
<tr bgcolor="<-php echo $calc->getTableRowColor2() ->”>
<td align="left">Interest charges: </td>
<td align="right"><-php echo $calc->getInterestCharges() -></td>
<td> </td>
<td align="right"><-php echo $calc->getInterestCharges(true) -></td>
</tr>
<tr bgcolor="<-php echo $calc->getTableRowColor1() ->”>
<td align="left">Net difference between rewards earned and interest costs: </td>
<td align="right"><-php echo $calc->getDifference() -></td>
<td> </td>
<td align="right"><-php echo $calc->getDifference(true) -></td>
</tr>
<tr bgcolor="<-php echo $calc->getTableRowColor2() ->”>
<td align="left">Break-even point for carrying balance<img src="http://www.529rewards.com/icon/dollar.gif" alt="" border="0" align="top">: </td>
<td colspan="3" align="center"><-php echo $calc->getBreakEvenPoint() -></td>
</tr>
</table></div>
 <a href="http://www.sagetips.com" >HELOC</a>© 2004
 </td>
</tr>
  
 <-php endif; -> 
 </table>
</div>
<-php if ($calc->includeHtmlHeaders()): -> 
 
</body> 
</html> 
<-php endif; ->

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Free Credit Card Rewards Calculator

Calculating Credit Card Rewards vs Interest Costs

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