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Issuers covered

Right today, not at launch.

Issuers change card terms more often than they admit. We re-read everything every morning, so the number on this page is the one a register will actually charge you.

Read the full methodology
  • Straight from the issuer

    Numbers come from the issuer's own terms pages. No aggregator paraphrasing, no guesswork on what a card actually charges.

  • Caught the day it changes

    Our scraper re-reads every card's terms at 6 AM Pacific. Elevated welcome offers show up the day they post, not the week after.

  • Payouts don't move rankings

    What an issuer pays us when you apply doesn't move a card up the list. The math does. If a no-affiliate card wins, we'll say so.

What's your strategy?

All categories
Hobbyist Open the card, hit the signup bonus, move the points before the annual fee comes due. Travel Miles for the flights, lounges for the layovers, and no fee for using the card abroad. Cashback Boring on purpose. The kind of card that pays for itself every month with zero thinking. First card Build credit without paying an annual fee. Starter cards vary more than you'd expect once you actually read the terms. Student Built for college budgets. The good ones reward paying on time, not spending more than you have. Business Keep the business spend off your personal card. Earn on software, shipping, ads, and yes, takeout.

Head to head

All comparisons
vs

Sapphire Preferred vs. Gold

Mid-tier travel. The one most people should actually carry, by the math.

Read the verdict
vs

Sapphire Reserve vs. The Platinum

Two premium travel cards north of $550 a year. One bets on points, the other bets on lounges and credits.

Read the verdict
vs

Blue Cash Everyday vs. Freedom Unlimited

Two no-annual-fee everyday cards. Flat-rate vs. tiered categories, settled with the math.

Read the verdict

Run the math

All calculators
Most used

Points value calculator

Points aren't dollars. Depending on the program, one is worth anywhere from half a cent to four cents. Plug in a redemption and we'll show you where yours actually land.

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Program Ultimate Rewards
Points cost 60,000
Cash price $1,200
Value per point 2.0¢

Example calculation

Signup bonus value

What a welcome offer is actually worth in dollars, at three redemption tiers.

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What are my points worth?

Enter a program and a balance, get a realistic dollar range.

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Featured guides

All guides
Strategy

Building the perfect Trifecta in 2026

Three Chase cards. One points pool. One annual fee. The setup most readers should start from, broken down card by card.

Read the guide 9 min
Decision

Are premium travel cards still worth the annual fee?

12 min read
Beginner

The 5/24 rule, explained without jargon

6 min read
Reference

When to actually open your next card

7 min read

What changed

Preview. Live feed launches with the daily scraper. All updates
  • Benefit change

    Premium travel card refreshes statement credits

    Dining and travel credit caps updated. Annual fee unchanged.

  • Bonus offer

    Mid-tier travel card raises welcome bonus

    Elevated offer available through select branch sign-ups.

  • Product refresh

    Issuer relaunches premium card under a new name

    New travel protections added. Existing cardholders auto-converted.

  • Transfer bonus

    Loyalty program announces temporary partner transfer bonus

    Limited-time conversion uplift to a single airline partner.

Find the card that fits.

Search by the exact terms you care about, backed by numbers we re-check every morning.

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