52 cards. Ranked in dollars. No affiliate links.

Your credit card is probably costing you $500+ a year.

Enter what you spend. Every card gets ranked by what it's worth to you, in dollars, after the annual fee. Free, no signup, and nobody pays us for placement.

Ranked by average American spending

Your monthly spending

Rough numbers are fine. We re-rank all 52 cards for you.

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More categories (optional) Streaming, transit, online shopping, drugstores, entertainment, rent. Many cards pay 3 to 6% here.
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Rent counts only for Bilt, the one card that earns on rent without a transaction fee. Leave it at $0 if you would not put rent on a card.

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 count the boost and the opportunity cost of parking 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

The best 1 to 3 card combo for your spending. Each purchase goes on 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...