The card that pays you the most,
based on your own spending.
We rank all 43 cards by what each would actually earn you.
What you buy
Whole Foods MarketGroceries$127.40
ShellGas$52.18
ChipotleDining$18.65
AmazonAmazon$64.20
Delta Air LinesTravel$312.80
Trader Joe'sGroceries$88.13
NetflixStreaming$15.49
+ 1,000 more, sorted by category
Cards, ranked by what they pay
1
Amex Gold Card®$1,145/yr
Amex Gold Card®$1,145/yr2
Citi Strata Premier℠$1,073/yr
Citi Strata Premier℠$1,073/yr3
Robinhood Gold Card$968/yr
Robinhood Gold Card$968/yr4
Chase Sapphire Preferred®$960/yr
Chase Sapphire Preferred®$960/yr5
Citi Strata℠$950/yr
Citi Strata℠$950/yrExample: the Amex Gold Card pays this household $1,145 a year, the most of any card.
Free account. Connect once, we disconnect right after. Never resold.
Generic vs. with CreditCardPoints
Today you guess.
Every card is “the best” at something, for someone. This is usually all you get to go on.
flip it
Chase Sapphire Preferred
Best for travelAmex Gold Card
Best for foodies
Chase Sapphire Reserve
Best for luxury travel
Citi Double Cash Card
Best for simplicityRobinhood Gold Card
Best for investors
Wells Fargo Autograph
Best no-fee cardSame example household as above, points at transfer value, minus the annual fee. No signup bonuses, credits or perks.
Every angle
Bonuses, perks and fees can change the winner.
Points value, first year or every year, sign-up bonuses, credits, fees. Change any of them and watch the ranking move.
Points as
Looking at
Also countBonuses count in the first year only.
- 1Amex Gold Card$1,145/yr
- 2Citi Strata Premier$1,073/yr
- 3Robinhood Gold Card$968/yr
- 4Chase Sapphire Preferred$960/yr
- 5Citi Strata$950/yr
How #1 adds up
$1,470rewards−$325fee=$1,145Amex Gold Card
Ranked out of 43 cards. Same example household as above.Your wallet
One card can’t win every category. Two usually can.
- We find the pair that pays the most together, not just the best single card.
- Add cards you already carry, so they count instead of competing.
- Saved for you, so it’s there when the offers change.
Amex Gold Card®American Express · $325/yr fee
$1,068/yr- Groceries4x$576
- Dining4x$384
- Flights3x$108
+$1,200 sign-up bonus in year one
Robinhood Gold CardRobinhood / Coastal Community Bank · $50/yr fee
$456/yr- Everything Else3x$420
- Hotels3x$36
Chase Freedom Flex®Chase · No annual fee
$240/yr- Amazon5x$120
- Gas Stations5x$84
- Streaming5x$36
+$200 sign-up bonus in year one
+Rewards earned$1,764
−Annual fees$375
+Sign-up bonuses (year one)$1,400
+Perks and credits$424
=What you'd keep$1,389/yr
+$74 more than the 2-card wallet.
Also in your account
See where your money actually goes.
- Every purchase sorted into categories.
- Your top merchants, ranked by what you spend.
- Month-by-month trends, so you catch the creep.
Example household$3,027/mo
- Everything else39%$1,167/mo
- Groceries20%$600/mo
- Dining13%$400/mo
- Travel8%$250/mo
- Gas7%$200/mo
- Amazon7%$200/mo
- Online shopping5%$150/mo
- Streaming2%$60/mo
Not ready yet? Here’s the generic version.
Same cards, same order, no matter who’s reading.