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.
Search by name, issuer, or perk, then filter by category and issuer — every major card, ranked by real return. Want the full write-up on each category? Open the full browse page ›