Which of my cards should I use?

How it works: for each spending category we work out what each card you hold would earn on your whole monthly spend, give the category to the card that earns most, and then test every card you do not hold to see what it would add after its annual fee. Caps are applied as if one card took all your spend, so splitting spend can free cap room and real results can be somewhat higher. Fee waivers and milestones of cards you already hold are not counted. Your choices are saved only in this browser.

Tick the cards you hold and enter your monthly spend. We route each category to the card that earns most and show what one more card would add. Stays in your browser.

Estimate: each card is scored as if it took all your spend, so caps are applied as they would be then, and each category goes to the card that earns most there. Splitting spend can free cap room, so real results can be somewhat higher. Fees and milestones of cards you already hold are not counted; the "add a card" figure subtracts the new card's fee (after waiver) and is an upper-bound-style estimate. Methodology.