+
Credit Card OptimizerFind your perfect card match

Which card actually pays you the most?

Not star ratings — dollars. Enter your monthly spending and every card gets ranked by what it really pays per year: rewards plus perks, minus the fee.

Find My Best Card How We Calculate Value
Free to use
No account required
180+ cards compared

Quick estimate

Monthly spend — we'll pre-fill the optimizer

$
$
$
Best card for:AmazonCostcoTargetWalmartStarbucksDoorDashDeltaHilton

The math, not the marketing

Right now, ranked across all 178 cards in our database for a $2,000/month balanced spender — computed by the same engine that runs the optimizer.

  1. 1
    American Express® Gold

    American Express · 6.0% on Supermarket & Grocery → $360/yr

    $836/yr

    Apply →
  2. 2
    Citi Strata Premier®

    Citi · 4.5% on Supermarket & Grocery → $270/yr

    $756/yr

    Apply →
  3. 3
    Chase Sapphire Preferred® Credit Card

    Chase · 4.5% on Supermarket & Grocery → $270/yr

    $745/yr

    Apply →

Ongoing annual value: rewards + perks − annual fee, conservative point values, welcome bonuses excluded. Every assumption documented. Your spending will rank these differently.

Run YOUR numbers

Browse by Style

Travel, cash back, or no annual fee — start from a category, or see your own numbers

View All Cards
Venture X Rewards

Capital One

Premium Travel
Venture X Rewards
Annual Fee
$395
Rewards
2x miles · up to 10x on Car Rentals (Capital One)
Welcome Bonus
Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.
≈ $262/yr ongoing value
for a $2,000/mo balanced spender — how we calculate this
View DetailsApply Now
Chase Freedom Flex® Credit Card

Chase

Cash Back
Chase Freedom Flex® Credit Card
Annual Fee
No annual fee
Rewards
1% cash back · up to 5% on All Travel (Ultimate Rewards)
Welcome Bonus
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
≈ $346/yr ongoing value
for a $2,000/mo balanced spender — how we calculate this
View DetailsApply Now
Citi Custom Cash℠ 

Citi

Cash Back
Citi Custom Cash℠ 
Annual Fee
No annual fee
Rewards
1% cash back · up to 5% on Dining
Welcome Bonus
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
≈ $480/yr ongoing value
for a $2,000/mo balanced spender — how we calculate this
View DetailsApply Now

How It Works

Finding your perfect credit card match is easy with our simple three-step process

Enter Your Spending

Enter rough monthly estimates for groceries, dining, travel, and other categories — it takes about two minutes.

Get Personalized Recommendations

Our algorithm analyzes your spending patterns to find the credit cards that will maximize your rewards.

Apply for Your Ideal Card

Compare options side by side and apply directly for the card that best fits your needs.

Get Started

Latest from Learn

Guides on getting the most from your cards

View All Articles
Article

Is the Amex Gold's $325 Fee Worth It? The Dining Break-Even, in Dollars

4x points sounds like double a free 3% card. After the $325 fee and honest point values, the picture changes — here is the exact break-even.

Article

The Best Grocery Credit Card Depends on One Number: Your Monthly Spend

6% with a fee, 5% with a cap, 3% flat, or plain 2%? We run the actual dollar math at $300, $500, and $800 a month — including the caps most reviews skip.

Common questions

Quick answers — or browse the full FAQ.

Two cards, same spending, $284/yr apart

American Express® Gold ($836/yr) vs. Wells Fargo Active Cash® ($552/yr) for a $2,000/mo balanced spender. See what the gap looks like for your own spending.

Start Optimizing Our Methodology