Find Your Best Credit Card
Slide to match your spending habits and we'll instantly show your top 3 cards — with real net-value math, not just marketing.
Step 1 — How Do You Spend?
Drag the sliders so they add up to 100%
Step 2 — Your Preferences
Annual total: $24,000
🏷️ Annual fee tolerance
🎁 Rewards preference
How the Scoring Works
1. Earn Rate Match
We multiply each card's category earn rate by your actual spending allocation. Higher earn rates in your top categories = higher score.
2. Point Value
Points and miles are worth different amounts. We convert everything to cents so Chase points and Amex points are compared fairly.
3. Net Value
Annual fee and sign-up bonus are factored in. The "net value" is your estimated annual rewards minus the fee, plus half the sign-up bonus.
Frequently Asked Questions
Are these personalized to me?▾
Yes — the scores are calculated in real time in your browser based on the spending percentages and preferences you set. No data leaves your device.
How accurate are the earn rates?▾
Earn rates reflect publicly available terms as of early 2026. Card terms change — always verify before applying. Some categories have caps (e.g. Amex Gold 4x groceries capped at $25k/yr).
Do you receive commissions?▾
Yes — "Apply Now" links are affiliate links and we may receive compensation if you are approved. This does not affect our scoring algorithm — cards are ranked purely by calculated value for your spending profile. Full disclosure here.