Do the math before you swipe.
Tell us what you spend and which perks you’d actually use. We work out every card’s first-year and ongoing value: bonus + earning + credits − annual fee. Points are valued at the median of published valuations from The Points Guy, NerdWallet, Frequent Miler and others, and you can change them.
Run my numbers ↓ Browse all 48 cardsYour spending
Airline and hotel cards only earn their top rate on your flights/hotels if they match your pick.
Perks you’d really use
Only checked perk types count. Unchecked = $0. Be honest: a credit you never use is worth nothing.
3Point values median of published values · edit
Each default is the median of published valuations (cents per point) from up to 7 well-known sources, checked 2026-10-23. Nobody agrees on one number, so override any of them and every result, bonus value and sort updates. Sources & method
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“First year” = welcome bonus + a year of earning + credits you use − first-year fee. “Ongoing” = the same without the bonus, using the regular fee. “Bonus $” = the headline welcome offer at your point values, whether or not your spending reaches the minimum. Estimates only; not financial advice. Full method.
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