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Your cards are ranked by what each one pays on this purchase today. That counts the bonus category you picked, this quarter's rotating categories if you activated them, the cap room you have left, and what your points are worth. Store rules count too: Costco takes only Visa. Tap any card to see the math.

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Move nine sliders and we'll check whether any card beats the wallet above: fee included, bonus excluded. Usually the answer is "add nothing".

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Every welcome bonus we've verified, with the spend requirement and the date we checked. Nobody pays us to list them.

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This quarter's 5% categories for Freedom, Discover it and the rest, the activation deadline, the cap, and the pick-your-category menus.

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Nobody pays us. There are no affiliate links on this site today, and rankings are payout-blind either way.

Every card fact carries the date we checked it on the issuer's page. Most recent check: . Cards marked unverified need a second look before you trust their rate. Spot something wrong? . Fixes show up dated on the news page.

About How we're paid Editorial policy Advertiser disclosure Privacy Terms

UseTheseCards has no affiliate relationships and takes no money from card issuers today. If that ever changes, the ranking math stays payout-blind and this page will say exactly who pays us. Card terms are set by issuers and change without notice: every number here carries the date we verified it. Not financial advice.