Load a statement CSV or type your monthly spending. We compare common reward card types after annual fees.
The best rewards card is the type that earns the most on how you actually spend, after its annual fee. Enter your monthly spending or load a statement CSV and this tool compares common reward card types side by side.
Educational only, not financial advice. This tool gives estimates based on what you enter and the stated assumptions. It is not financial, tax, or legal advice. Talk to a licensed professional before you make decisions. Everything is calculated in your browser, and nothing you type or upload leaves your device.
It depends on your spending and whether you will use the points. A flat cash back card is simple; category and travel cards can earn more if your spending fits their bonus categories and the rewards beat the annual fee.
Only if the extra rewards you would actually earn are larger than the fee. This tool subtracts annual fees so you can compare net rewards.
Usually not. Interest on a carried balance typically outweighs rewards, so paying the card off first tends to come out ahead.
No. It compares common card types, not specific offers. Check the current terms of any card before you apply.