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What best describes your spending?
Pick one to instantly see your top cards — then fine-tune the numbers below
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Spending Profile
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Wallet Preferences
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Current Wallet
Mark cards you already own via the "Own" button in the results — we'll show the marginal value of adding a new card.
💳 Ideal Card Combo
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Best for groceries
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Best for dining & travel
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What's your spending like?
Move any slider above to instantly see which cards earn you the most — ranked by actual dollars, not ads.
Know Before You Swipe
The hidden costs most cardholders only learn the hard way
⚠️ Cash Advance
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That $200 ATM Withdrawal With Your Credit Card Can Easily Cost You $60 — Here's the Math
Cash advances charge a separate fee the moment you withdraw, a higher APR that starts immediately with no grace period, and they sit at the back of your balance where payments can't touch them first. We break down exactly what a single ATM transaction can cost over 90 days.
⚠️ Debt Trap
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Paying the Minimum on a $1,000 Balance? You'll Pay $2,400 and Still Be in Debt for 8 Years
Minimum payments are designed to keep you in debt as long as possible. The numbers are shocking once you actually run them — and most people never do.
⚠️ Credit Score
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Maxing Out One Card Can Drop Your Credit Score by 100 Points — Even If You Pay It Off
Utilization is measured at the statement date, not the payment date. So even if you pay in full every month, a high balance on reporting day is silently damaging your score.
⚠️ Hidden Fees
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The 3% Foreign Transaction Fee Is a Silent Tax on Every Trip — and Most People Don't Know It Exists
A two-week international trip on the wrong card can quietly add $150+ in fees you never saw itemised. Here's how to spot it in your card agreement and which cards eliminate it entirely.
💡 Sign-Up Bonus
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That 60,000-Point Sign-Up Bonus Is Worth Less Than You Think — Here's How to Calculate the Real Value
Points are a currency with a floating exchange rate the issuer controls. The same 60,000 points can be worth $600 or $2,400 depending on how you redeem — here's the math.
⚠️ Balance Transfer
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A 0% Balance Transfer Isn't Free — The 3% Fee and the Deadline Trap Catch Most People Off Guard
The offer works — but only if you understand the upfront transfer fee and the difference between true 0% APR and deferred interest, which can hit you with retroactive charges.
💡 Annual Fee
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Paying a $550 Annual Fee Can Be a Better Deal Than a Free Card — If You Run the Math First
A $695 Amex Platinum fee can net out to $40 if you use the credits. The question is whether your actual life uses those credits — not whether they sound good on paper.
⚠️ Credit Score
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Applying for a New Card Lowers Your Credit Score — But How Much, and for How Long?
A hard inquiry typically drops your score 5–10 points and recovers fully in 12 months. Here's when that tradeoff is clearly worth it — and when to wait.
⚠️ Rewards
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Airlines and Hotels Can Devalue Your Points Overnight — and They Don't Have to Tell You First
Delta, United, Marriott — every major program has devalued in the last 5 years. Your accumulated points are a bet the issuer won't move the goalposts before you redeem.
💡 Strategy
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The Two-Card Stack: How to Earn 4–6% Back Across All Spending Without Juggling Five Cards
A category specialist + a strong catch-all captures 80–90% of the theoretical maximum with almost no effort or mental overhead. Here's the formula.