Ranked by math · not ads
Stop wondering
which card to use.
Add your cards and spending. RollsRewards tells you which card to use, which to keep, and whether another card would actually make you more money.
Independent rankings:
81 cardsno paid placementhow we rank →
Private by design:
No SSNno credit checkno bank logindata not sold
Tonight · dining out —
- 3×
Citi Strata Premier
Use this
- 2×
Capital One Venture
Your cards, optimized
$1,817/yr
Capital One Venture + Citi Strata Premier · after annual fees · same math as the calculator
Live ranking
Start from how you spend —
Your spending
$4,800/mo- Groceries
- $650
- Dining
- $420
- Gas
- $180
- Travel
- $300
- Everything else
- $3,250
The ranking re-runs live as you change a number.
Your best match
#1 · Best for you
Capital One Venture
Capital One · $95/yr fee
$1,633/year
+$769/yr vs a 1.5% card
Capital One Venture X
Capital One · $395/yr fee
$1,483/year
Citi Strata Premier
Citi · $95/yr fee
$1,327/year
- + 64 more ranked — of 81 tracked, we rank the open personal cardsSee all →
Just want to browse all 81 cards? →
Values reflect typical point redemption rates. See methodology.
Your cards, simplified —
Three decisions, already made.
Use:
Dinner tonight
Citi Strata Premier
3×
on dining
Carry:
Your optimal cards
Capital One Venture + Citi Strata Premier
$1,817/yr
after annual fees
Skip:
A third card
Not worth opening.
+$0/yr
we'd pass
Computed from real card terms for a typical $4,800/mo spender — your answer will differ, and that’s the point. Already carrying a fee card? Check if it’s worth keeping →
From our September 14, 2026 audit —
Offers that moved.
We re-check every card against its issuer. These three are worth a look right now.
Chase Aeroplan®
Refreshed September 10: 75,000 points after $4,000, but the fee doubled to $195 and the 3x on dining and groceries ends December 31. Our ranking already uses the permanent 2x.
75,000 pts — $195 fee · limited time
See the card →
Capital One Venture
Same 75,000 miles after $4,000, now bundled with a $300 credit for hotel stays booked through Capital One Travel in your first year. Limited time, no end date published.
+$300 credit — limited time
See the card →
Marriott Bonvoy Boundless
The sign-up bonus slipped from 4 free nights to 3 (each worth up to 50,000 points). Same $3,000 spend. We tell you when offers get worse, too.
3 nights — offer reduced
See the card →
Offers verified September 14, 2026 against issuer pages. Ranked for your spending, not theirs →
The receipts.
The Ledger
Why our rankings differ from every other site.
- 81
Cards tracked.
Every rate checked against the issuer's own terms — 67 open consumer cards we rank, plus 10 business and 4 closed-to-new-applications cards listed for reference. If an offer moves, we flag it.
- Zero
Pay-for-placement.
We don't rank by who pays us. Your #1 card is the one we'd give a friend.
- Open
Methodology.
See exactly how we rank. Every formula is public. No black box.
Private by design:
No SSNno credit checkno bank logindata not sold
The monthly dispatch.
When something actually moves, you'll know first.
One email when a bonus jumps or a ranking shifts. Nothing else.
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