Which card earns you the most? Enter your typical monthly spending by category and this credit card rewards calculator ranks every major card by estimated annual reward value, after the annual fee and welcome bonus, using honest 1-cent point values.
Most comparison sites rank credit cards by which issuer pays them the biggest commission. This credit card rewards calculator does the opposite: you enter what you actually spend each month, and it ranks every major card by the dollars you would earn, so the best card for your wallet rises to the top. There is no signup, no account, and nothing to install — it is a free rewards calculator that runs entirely in your browser.
Every point and mile is valued at a flat 1 cent, the same standard for every card. Airline and hotel programs love to advertise inflated valuations, but this rewards calculator refuses to play that game, so no card looks better than it truly is. Learn more about how much a point is really worth.
Results are ordered by first-year value: your estimated category earnings, plus the welcome bonus you would realistically hit on your spending, minus the annual fee. That is the number that actually lands in your pocket, not a headline rate. See how welcome bonuses work and whether annual fees are worth it.
The calculator compares every major U.S. credit card across Chase, American Express, Citi, Capital One, Bilt, Wells Fargo, and Discover, weighing flat cash back, category cash back, and flexible travel points side by side in real dollars. When you find your match, you can browse the full card details, learn how to maximize your rewards, or read the full guide library to go deeper.
Yes. It is completely free with no signup, account, or personal information required. Enter your monthly spending and you see your ranked results instantly.
Every point and mile is valued at a flat 1 cent each, the same honest standard applied to every card. Cardocrat deliberately does not inflate airline or hotel valuations, so no card looks better than it really is.
It ranks every major U.S. credit card (60+) across all major issuers, including Chase, American Express, Citi, Capital One, Bilt, Wells Fargo, and Discover.
Yes. Results are ranked by real first-year value: your estimated category earnings plus the welcome bonus you would realistically hit, minus the annual fee.
No. Cards are ranked purely by the dollars you would actually earn on your spending, not by what pays Cardocrat. That is the opposite of how most comparison sites order cards.
Only for cards that genuinely earn on rent (Bilt). For every other card, rent does not earn rewards and does not count toward a welcome bonus, because issuers and rent processors block it or charge fees.
Multiply your annual spending in each category by the card's earn rate, value the points at 1 cent each, add any welcome bonus you would realistically earn, then subtract the annual fee. This credit card rewards calculator does all of that math for every major card at once, so you can skip the spreadsheet.
It uses each card's published earn rates and current welcome offers, verified against issuer sources, and a conservative flat 1-cent point value. Your real return can be higher if you redeem travel points well, so treat the ranking as an honest floor rather than a ceiling.
The best one ranks cards by what you would actually earn on your spending rather than by advertiser payouts, values points honestly at 1 cent, and factors in annual fees and welcome bonuses. That is exactly how this free Cardocrat rewards calculator is built.
Yes. It compares flat cash back cards, category cash back cards, and flexible travel-points cards side by side, all converted to real dollar value so you can compare them fairly in one place.