Free Credt Card Rewards Calculator Download

To use the Credit Card Rewards Calculator on your web site, simply copy 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 a free download and we only ask that you consider providing a link back to www.529rewards.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\"><font color=\"red\">There are errors or missing data above!<font></td></tr>";
    }
  }
  
  function redStart($err) {
    if ($err) {
      return "<font color=\"red\">";
    }
  }
  
  function redEnd($err) {
    if ($err) {
      return "</font>";
    }
  }
  
  // Format number
  function formatCurrency($number) {
    if ($number < 0) {
      $number = -$number;
      $prfx = "<font color=\"red\">-$";
      $sfx = "</font>";
    } 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)->
                  <b>Basic Rewards: </b>
                  <-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) ->
                  <b>Monthly Eligible Purchases: </b>
                  <-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)->
                  <b>Rebate for Specific Brands:</b>
                  <-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)->
                  <b>Monthly Eligible Specific Purchases: </b>
                  <-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)->
                  <b>Typical Monthly Credit Card Balance: </b>
                  <-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)->
                  <b>APR Finance Charge on Balance Carried: </b>
                  <-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"><b><-php echo $calc->getBasicReward() -></b></td>
              <td> </td>
              <td align="right"><b><-php echo $calc->getBasicReward(true) -></b></td>
            </tr>
            <tr bgcolor="<-php echo $calc->getTableRowColor1() ->">
              <td align="left">Specific rewards: </td>
              <td align="right"><b><-php echo $calc->getSpecificReward() -></b></td>
              <td> </td>
              <td align="right"><b><-php echo $calc->getSpecificReward(true) -></b></td>
            </tr>
            <tr bgcolor="<-php echo $calc->getTableRowColor2() ->">
              <td align="left">Interest charges: </td>
              <td align="right"><b><-php echo $calc->getInterestCharges() -></b></td>
              <td> </td>
              <td align="right"><b><-php echo $calc->getInterestCharges(true) -></b></td>
            </tr>
            <tr bgcolor="<-php echo $calc->getTableRowColor1() ->">
              <td align="left">Net difference between rewards earned and interest costs: </td>
              <td align="right"><b><-php echo $calc->getDifference() -></b></td>
              <td> </td>
              <td align="right"><b><-php echo $calc->getDifference(true) -></b></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"><b><-php echo $calc->getBreakEvenPoint() -></b></td>
            </tr>
          </table>
        </div>
              <a href="http://www.529rewards.com">529 Rewards</a>© 2004
      </td>
    </tr>
    
    <-php endif; ->
  </table>
</div>
<-php if ($calc->includeHtmlHeaders()): ->

</body>
</html>
<-php endif; ->

A bank is termed as an institution that deals with money. Lending money is also a feature of banks. Credit facility in the shape of credit cards is extended to potential customers. A credit card is an unsecured loan which allows the holder to buy goods and services and pay for them later. If, on the due date, the holder does not pay the balance, the bank charges interest on the unpaid balance. The most popular among credit cards in the visa card which has worldwide acceptability at shopping and dining outlets. Banks also offer secured loans like mortgages by giving easy cash against a pledged property. Apart from insurance companies banks also offer all types of insurance except for pet insurance which is insurance against injuries, disease or accident. Insurance extended by banks include medical insurance, life insurance and travel insurance.

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This entry was posted on Thursday, June 22nd, 2006 at 4:48 pm and is filed under Rewards Calculator. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

One Response to “Free Credt Card Rewards Calculator Download”

Credit Card Calculator - Rewards vs Interest Costs on September 13th, 2007 at 1:48 pm

[…] Credit Card Calculator script is available here for free distribution or use on financial […]

529 Plan Rewards

Free Credt Card Rewards Calculator Download

One Response to “Free Credt Card Rewards Calculator Download”

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