Our Position
We rank by what a card is worth to you.
One number, Net Annual Value, the honest dollars you'd earn or lose holding a card for a year. Same math, every card.
How the Ranking Works
- Deterministic math on published terms
- Higher rank means more value.
- Recomputed against your spending
- Every figure links back to the issuer's own page
What We Hold To
- 01
The number is the value.
Every card is measured the same way: what it earns you, net of what it costs to hold.
- 02
Your spending changes the answer.
The ranking recalculates against the spending profile you enter, so the order reflects your numbers rather than a single average.
- 03
We show our work.
Every figure comes straight from the issuer, with source quotes on each card's page, so you can check the math yourself.
Two Numbers, Not One
A card's first year isn't like the years after it. So we never blend them into a misleading average.
Year 1 valueFull signup bonus, first-year fee, everything else.
Ongoing valueSteady state, every year you keep it. No bonus.
Coverage spans most consumer, business, student, and secured cards from the major U.S. issuers, and it's growing.
See the Rankings →