Cardocrat ranks every major credit card by what it actually pays back, valuing every point at a flat, honest 1 cent. No hype, no sponsored rankings, and every tool is free.
Ranked by your return. We earn a commission on most cards, though not all, so nothing sways the list. See how we rank →
Enter your real monthly spending and we rank every major card by the dollars you’d actually earn, with honest point values. Cardocrat works like a broker: we earn a commission on most cards, though not all, so we have no reason to favor any single one.
Ranked by the cash it drops in your pocket, never by which bank slips us the fattest commission.
Every point valued at a flat penny, so no airline can dress up a so-so card with fantasy math.
You see net value after the annual fee, so a pricey card can never fake its way to the top.
A welcome bonus only counts if your real spending would actually hit the minimum. No fairy tales.
Which card earns you the most? Enter your typical monthly spending by category and this credit card rewards calculator ranks every major card by estimated annual reward value, after the annual fee and welcome bonus, using honest 1-cent point values.
Rough numbers are fine. Leave anything you rarely buy blank.
Upload CSV exports of your bank and card statements, even several at once, and we combine them into one real monthly spending profile. It all happens right here in your browser. Your statements never leave your device and nothing is uploaded anywhere.
Hints like “avg 519” are U.S. household averages per month (BLS Consumer Expenditure Survey, 2024). Use your own numbers.
These shape which cards we show, how we count welcome bonuses, and what fees come off.