Credit Card Tools: Compare Benefits or Estimate Spending

CARD BENEFITS

Compare all credit card benefits

See verified money back, yearly fees, and perks for up to four cards side by side.

Card Points/Cashback

We'll tell you the best card based on your spending

Enter rough monthly amounts. Every field is optional.

Your spending

Rent or mortgage$Groceries$Dining out$Food delivery$Gas or EV charging$Travel$Transit$Streaming and subscriptions$Online shopping$Everything else$

Rent is not counted for most cards because landlords rarely accept cards and processing fees usually cancel out rewards. Bilt is included because it pays rewards on rent with no transaction fee; its rent rate varies, so we use a conservative 1x.

Estimated total value after yearly fee

This adds rewards you earn to only the statement credits your spending can use, then subtracts the yearly fee. Credits are capped by the spending in their matching category.

Enter monthly spending above to see the math.

How this stays conservative

Chase, Citi Double Cash, Wells Fargo, U.S. Bank Smartly, and Discover use their published 1.00¢ cash rate where applicable. Citi Strata uses 0.50¢; Citi Strata Premier and Elite use 0.75¢.
American Express Membership Rewards use 0.60¢ per point, Amex's published statement-credit rate. Bank of America Travel Rewards use its 0.60¢ cash rate, not its travel rate.
Points may be worth more in an issuer travel portal. We use the issuer's published cash value because that is the cash figure it guarantees. Travel rates that require a portal are not used.
Statement credits are not included here. Use card comparison to review those separately.