Ledger — Which credit card is worth the most for your spending?

LEDGER

What is each card actually worth to you?

Your monthly spending

More spending details

Groceries at Walmart / Target / Costco

Most cards don't count these stores as groceries — that share earns the base rate instead.

Spending abroad per year

Must-have perks

Limits

Max annual fee My credit Value over

Cards I already have

Optional. Add your current cards and the table ranks what each new card would add to them.

Personal cards opened in the last 24 months Hide cards I likely can't get

How cards are valued

Value points at Count card credits

Point values and the realistic share of credits are our estimates — change them above. Issuer rules are as widely reported by applicants, not official policy. Offers checked — they change often and vary by applicant, so confirm with the issuer. Prototype C · Explorer.

Card

Fee

Bonus

Rewards/yr

Credits/yr

Net value

Yr 2+

Breakdown

Best cards for…

Groceries Dining Travel Hotels Airline perks Cash back No annual fee Sign-up bonuses 0% intro APR Building credit

Card breakdowns

Chase Sapphire Preferred Chase Sapphire Reserve American Express Platinum Card American Express Gold Card Capital One Venture X Capital One Venture Rewards Citi Strata Premier Bank of America Premium Rewards Wells Fargo Autograph Journey Capital One VentureOne Rewards Marriott Bonvoy Boundless Hilton Honors Surpass World of Hyatt Hilton Honors Card IHG One Rewards Premier Delta SkyMiles Gold United Explorer Citi AAdvantage Platinum Select Chase Freedom Unlimited Wells Fargo Active Cash Citi Double Cash Capital One Savor Cash Rewards Capital One Quicksilver American Express Blue Cash Preferred Wells Fargo Autograph Chase Freedom Flex Discover it Cash Back American Express Blue Cash Everyday Bank of America Customized Cash Rewards Bank of America Travel Rewards Costco Anywhere Visa Wells Fargo Reflect Discover it Secured Capital One Platinum Secured Chase Freedom Rise Capital One QuicksilverOne