Credit card
comparison calculator.
Enter your monthly spending by category. The tool compares your total annual cashback at 1%, at the best no-fee stack, and at the best fee-including stack (with annual fees subtracted). All math runs in your browser. Terms and bonuses change constantly, use this for comparison only.
Full strategy: How to Get the Most Out of Your Credit Cards
Rates used: 2% flat baseline, 6% grocery up to $500/mo, 3% dining, 4% gas, 5% Amazon/online, 3x travel (worth ~4.5% transferred). Card terms change frequently, verify current offers before applying.
Reminder: none of this math works if you carry a balance. 22% APR interest cancels every reward immediately. Pay in full every month, or get to zero first.
What this tool assumes
- Reward-rate comparison uses your entered spending category mix.
- Annual-fee break-even is the spending threshold where the higher fee card beats the no-fee card.
Not financial advice. Card rates and bonuses change. Verify current offers before applying.
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HOW THIS IS CALCULATED
This tool runs entirely in your browser — no data is sent to any server. All formulas use standard financial math. Verify the methodology or inspect the source code in your browser's dev tools.