Every card ranked by what it's actually worth — in dollars.

What's your credit card actually worth?

We translate every reward — points, miles, cashback — into real dollar value so you can compare apples to apples.

Ranked by average American spending

Your Monthly Spending

Enter how much you typically spend per month in each category. We'll re-rank all cards for you.

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🏦 Banking Relationships (optional) Apply tier boosts and see true cost

Some cards (BofA Preferred Rewards, US Bank Smartly) boost your rewards based on how much you keep at the bank. We'll factor in both the boost AND the opportunity cost of holding that money there.

Bank of America Preferred Rewards Deposits at BofA / Merrill
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US Bank Smartly Deposits at US Bank Smartly Savings
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💼 Wallet Builder

Best card combo for your spending — each transaction goes to whichever card earns the most.

38 cards

How are points valued?
Cash Value (1¢/pt)

Every point is worth exactly 1¢. This is what you get if you redeem points as a statement credit, direct deposit, or gift card. Simple and guaranteed.

Transfer Value (varies by currency)

Points can be transferred to airline and hotel partners (like Hyatt, United, Delta) where they're often worth more. Transfer valuations are based on industry-standard estimates:

Chase Ultimate Rewards1.5¢/pt
Amex Membership Rewards1.5¢/pt
Citi ThankYou Points1.5¢/pt
Bilt Points1.5¢/pt
Capital One Miles1¢/mi
All other currencies1¢/pt

Transfer values are estimates. Actual value depends on how and when you redeem.

Calculating best value...