What is your
Return on Spend?

See how much travel value your household earns on every dollar. Adjusted for real card multipliers and real transfer partner redemptions.

1
Spend
2
Points
3
RoS
Step 1 of 3

Your monthly household spend.

Adjust each category to match your typical monthly card spending.

Groceries$600
Supermarkets, wholesale clubs
Dining$400
Restaurants, takeout, coffee shops
Gas$250
Gas stations, EV charging
Travel$300
Flights, hotels, car rentals
Online Shopping$400
Amazon, retail websites, marketplaces
Wireless & Phone$200
Cell phone plans, home internet
Drugstores$100
CVS, Walgreens, pharmacies
Everything Else$800
Utilities, insurance, miscellaneous
Total monthly spend$3,000
Step 2 of 3

Your optimized points. Every month.

Each category routed to its highest-earning card and program.

CategoryOptimal card typeEarn rateMonthly pts
0
total points per year across both programs

Estimate only. This is based on category averages and common transfer-partner valuations. Actual results depend on your specific cards, spending, and how you redeem. Not a guarantee of any outcome and not financial advice.

Step 3 of 3

Your UpNonStop RoS.™

Return on Spend. The percentage of travel value you earn back on every dollar you spend.

Your Optimized RoS™
0%
1%
Flat cashback
2%
Premium card alone
0%
With First Officer
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Booked for our Select & Reserve members this past month
Flights and hotel stays redeemed with points. Hover any card to see the breakdown.

Showing 20 of 60+ recent bookings. Reload for different results.

* UpNonStop RoS (Return on Spend) is an illustrative metric showing estimated travel value as a percentage of total card spend. Based on publicly available category multipliers and transfer partner valuations (approximately 2 to 3.5 cents per point). Actual results vary based on specific cards held, spending patterns, transfer partner availability, and redemption choices. Category multipliers are subject to annual caps and issuer terms. This is an educational estimate, not a guarantee of returns. Individual results vary.
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