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.
Looking for a Specific Card?
Search by card name, bank, or retailer.
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.
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United℠ Business Card Review
The United℠ Business Card earns up to 8x miles on eligible United flights and 2x on dining, gas, office supplies and local transit, with free employee cards and a $150 annual fee that core rewards alone cover on a typical small-business spend profile.
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United Club℠ Card Review
The United Club℠ Card earns up to 11x miles on eligible United flights and includes unlimited United Club lounge access for the cardholder and one guest, for a $695 annual fee that Chase’s own lounge valuation alone can cover.
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Hilton Honors American Express Aspire Card Review
The Hilton Honors American Express Aspire Card earns 14x points at Hilton portfolio hotels and 7x on flights, select car rentals, and U.S. restaurants, with complimentary Diamond status, an annual Free Night Award, and a $550 annual fee.
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