Find the Credit Card That Earns You the Most Money
Tell me how you spend money. I’ll run the math and show you exactly which card earns you the most — in dollars, not points.
Free. No signup required. Results in 30 seconds.
11 credit cards — personally held since 2023
$1,250+ earned in sign-up bonuses
$26,700 total credit limit
Zero cards closed
How the AI Card Picker Works
Step 1
Tell me how you spend
Type your monthly spending in plain English. “I spend $500 on groceries, mostly at Costco” is enough.
Step 2
I run the math
The tool calculates estimated rewards across cards that match your profile — in actual dollars, not vague points.
Step 3
Pick your card with confidence
You get the top 3 cards with the numbers behind each recommendation. No fluff. No rankings paid for by banks.
Find the Right Card for How You Actually Spend
Who’s Behind This Site
I’m Nick. I hold 11 credit cards, have earned $1,250+ in sign-up bonuses so far, and haven’t closed a single one since January 2023.
I moved to the US in December 2022 with no credit history and built this from scratch — which means I’ve made the mistakes, done the math, and figured out what actually works for people who want to use cards strategically, not just collect them.
-
Bank of America® Customized Cash Rewards Credit Card Review (2026)
The Bank of America® Customized Cash Rewards earns 6% cash back on your chosen category for the first year — one of the strongest rates on a no-fee card — plus 2% automatic on groceries and a $200 bonus after just $1,000 in spending. From year two the chosen category drops to 3%, so the card rewards cardholders who plan ahead and BofA Preferred Rewards members who can push effective rates as high as 10.5%.
-
Costco Anywhere Visa® Card by Citi Review (2026)
Costco Anywhere Visa® Card by Citi earns 5% at Costco gas stations and 3% on dining and travel, with no card annual fee beyond your Costco membership. A member spending $300/month on Costco gas and $400/month on dining earns $324/year. Rewards pay out once a year as a Costco certificate — strong for regular members, wrong card if you rarely visit Costco.
-
Wells Fargo Autograph® Card Review 2026
Earn 3x points on dining, travel, gas, transit, streaming, and phone plans — all with a $0 annual fee. Based on verified data, a cardholder spending $700/month across those categories earns $288/year in rewards plus a $200 sign-up bonus in year one. Here’s whether the math works for your spending mix.
Get the 5 best credit cards for 2026 — free.
A no-fluff PDF with the top 5 cards right now, the math behind each one, and who each card actually makes sense for. No spam. Unsubscribe anytime.
By subscribing, you agree to receive the FinBedrock newsletter. We never sell your data.