Find the Best Credit Card
for Every Purchase

Stop leaving money on the table. We calculate the effective return percentage for each card across spending categories so you always know which card to use.

⌘K
Tracking: 88 credit cards, 24 categories, 1070 merchants
Last update: January 28, 2026

Find the Best Card by Category

Select a spending category to see top-ranked cards

Airfare

Best cards for airfare

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Business Services

Best cards for business services

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Car Rentals

Best cards for car rentals

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Dining & Restaurants

Restaurants, takeout & food delivery

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Drugstores & Pharmacies

Best cards for drugstores & pharmacies

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EV Charging

Best cards for ev charging

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Entertainment

Best cards for entertainment

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Food Delivery

Best cards for food delivery

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Gas Stations

Gas stations & EV charging

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Groceries

Supermarkets & grocery stores

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Gym & Fitness

Best cards for gym & fitness

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Home Improvement

Best cards for home improvement

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Hotels & Lodging

Best cards for hotels & lodging

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Internet & Cable

Best cards for internet & cable

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Office Supplies

Best cards for office supplies

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Online Advertising

Best cards for online advertising

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Online Shopping

Best cards for online shopping

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Phone & Wireless

Best cards for phone & wireless

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Select Streaming

Best cards for select streaming

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Shipping

Best cards for shipping

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Streaming Services

Netflix, Spotify & more

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Transit & Rideshare

Best cards for transit & rideshare

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Travel

Airlines, hotels & car rentals

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Wholesale Clubs

Best cards for wholesale clubs

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Most Recent Merchants

Recently updated reward tracking for popular stores and brands

How It Works

1

Choose Your Category

Select from dining, travel, groceries, gas, and more spending categories.

2

We Crunch Numbers

Our algorithm calculates true value: points × redemption value = effective return %.

3

Maximize Rewards

Use the right card for each purchase and watch your rewards pile up.