A few quick questions and we'll rank the cards that return the most value for how you actually travel and spend — vendor-neutral, with the math shown. Know your numbers? Switch to exact mode.
US cards only. Spend-based picks use US spending data and USD value math, so this tool ranks US cards. Browsing Canadian or UK cards? open the card explorer and filter by country.
Credit, loyalty & exclusions (optional)
Rough FICO bands so we don't suggest a card you likely can't get yet; issuers vary.
Add any you keep status with — boosts co-brand cards and cards whose points transfer there.
Exclude cards
Fill these in to see your top cards — no spend tracking needed.