Cardocrat ranks every major credit card by what it actually pays back, valuing every point at a flat, honest 1 cent. No hype, no sponsored rankings, and every tool is free.
Ranked by your return, not our payouts. See how we rank →
Most comparison sites order cards by which issuer pays them the most. Cardocrat does the opposite. Enter your real monthly spending and we rank every major card by the dollars you’d actually earn, with honest point values and zero partner bias.
Ranked by the cash it drops in your pocket, never by which bank slips us the fattest commission.
Every point valued at a flat penny, so no airline can dress up a so-so card with fantasy math.
You see net value after the annual fee, so a pricey card can never fake its way to the top.
A welcome bonus only counts if your real spending would actually hit the minimum. No fairy tales.
Search by name, issuer, or perk, then filter by category and issuer — every major card, ranked by real return. Want the full write-up on each category? Open the full browse page ›