Tools · Card Comparison

Credit card
comparison calculator.

Enter your monthly spending by category. The tool compares your total annual cashback at 1%, at a single 2% flat card, and at a no-fee category stack, then shows my personal three-card stack for context (a recommendation, not a computed optimum). 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, 3% 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% APRAnnual Percentage Rate (APR)The yearly cost of borrowing money, shown as a percentage.Full definition 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.

Related

→ Credit Card Strategy, the full playbook this tool is built on → Unconventional Savings, more ways to extract value → Debt Payoff Calculator, get to zero before optimizing
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.