Enter your typical monthly spending by category. We'll rank every card by estimated annual reward value, after the annual fee.
Monthly Spending
Enter how much you typically spend each month. Leave blank for categories you rarely use.
Dining & Restaurants
$
Groceries & Supermarkets
$
Gas & EV Charging
$
Travel (Flights & Hotels)
$
Streaming Services
$
Transit, Commute & Rideshare
$
Pharmacy & Drugstores
$
Everything Else
$
Rent / Mortgage
$
Most cards charge a 2.5% to 3% processing fee on rent, negating any rewards. Only Bilt cards earn on rent fee-free. Rent does not count toward any welcome bonus minimum spend. Even Bilt requires non-housing spend to earn its welcome bonus.
Business Expenses
Add work-related spending categories
Business Categories
Phone & Internet
$
Ad Spend
$
Office Supplies
$
Shipping & Freight
$
Include welcome bonus
Adds first-year bonus value to results
Include airline & hotel cards
Co-branded cards are locked to one program
Acquisition Pace
Your Credit Score
Spending rewards only. This calculator estimates value from category earn rates and welcome bonuses. It does not factor in other benefits your card may carry, such as travel credits, airport lounge access, purchase protections, extended warranties, rental insurance, or redemption bonuses, all of which can add significant value beyond what's shown here.
All points valued at 1¢ per point for simplicity. Actual value varies based on how you redeem, and transfer partners may yield more.
Your results will appear here
Enter your monthly spending on the left and hit Calculate.