Enter your typical monthly spending by category. We'll rank every card by estimated annual reward value, after the annual fee.
Yes. It is completely free with no signup, account, or personal information required. Enter your monthly spending and you see your ranked results instantly.
Every point and mile is valued at a flat 1 cent each, the same honest standard applied to every card. Cardocrat deliberately does not inflate airline or hotel valuations, so no card looks better than it really is.
It ranks every major U.S. credit card (60+) across all major issuers, including Chase, American Express, Citi, Capital One, Bilt, Wells Fargo, and Discover.
Yes. Results are ranked by real first-year value: your estimated category earnings plus the welcome bonus you would realistically hit, minus the annual fee.
No. Cards are ranked purely by the dollars you would actually earn on your spending, not by what pays Cardocrat. That is the opposite of how most comparison sites order cards.
Only for cards that genuinely earn on rent (Bilt). For every other card, rent does not earn rewards and does not count toward a welcome bonus, because issuers and rent processors block it or charge fees.