We analyze your real spending and rank every major card by what you'd actually earn, not what issuers want you to think. Clear, secure, and fast.
Bank connections secured by Plaid (the same technology behind Venmo, Robinhood, Coinbase, and American Express). Your login stays with your bank; we never see it.
Your #1 match
American Express® Gold Card
+$1,269
est. annual value
Chase Sapphire Preferred®
+$621/yr
Citi Double Cash®
+$519/yr
A few clear steps to a ranked list of every card sorted by what you'd actually earn.
Tell us what rewards, fee limits, perks, and eligibility range should matter.
Link your bank with Plaid for personalized results, or explore first with sample spending.
Compare estimated rewards, fees, and benefits based on your spending.
Everything you need to know before you start.
Yes. We use Plaid, the same connection technology trusted by Venmo, Robinhood, Coinbase, and American Express to link over 10,000 banks. Your login credentials go directly to your bank through Plaid's secure connection, never to us. We get read-only transaction access for scoring, save encrypted connection tokens and a spending snapshot for account holders to revisit their results. You can disconnect any account at any time.
We maintain broader live card data, but recommendations use a curated set of 170 major-issuer cards we have normalized for accurate reward math. If a card you want is missing, request it after signup and we will work to get it live. No paid placements, no sponsored results.
Completely free. If you apply for a card through our site and get approved, the card issuer pays us a referral commission, at no cost to you. You get the same rates and terms as applying directly. Our rankings aren't influenced by commissions; we show you the best card for your spending regardless.