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Which card fits my spending?

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Enter what you spend each month. We compute each card's yearly rewards minus its annual fee, with every rate and cap shown.

Spending $23,040/yr across 72 cards. Net annual value = rewards − annual fee (year 2+); year 1 adds the sign-up bonus where published.

1. Amex Blue Cash Preferred$499/yr
Rewards $594Annual fee −$95Year 1 incl. bonus $844
Show the math
Groceries (supermarkets): $6,000×6%; Dining & restaurants: $3,600×1%; Gas / EV charging: $1,800×3%; Travel (flights, hotels): $1,800×1%; Online shopping: $2,400×1%; Streaming: $360×6%; Transit & rideshare: $480×3%; Phone, internet & utilities: $1,800×1%; Everything else: $4,800×1%. Net = rewards − annual fee.
2. Citi Double Cash$461/yr
Rewards $461Annual fee $0Year 1 incl. bonus $661
Show the math
Groceries (supermarkets): $6,000×2%; Dining & restaurants: $3,600×2%; Gas / EV charging: $1,800×2%; Travel (flights, hotels): $1,800×2%; Online shopping: $2,400×2%; Streaming: $360×2%; Transit & rideshare: $480×2%; Phone, internet & utilities: $1,800×2%; Everything else: $4,800×2%. Net = rewards − annual fee.
3. Wells Fargo Active Cash$461/yr
Rewards $461Annual fee $0Year 1 incl. bonus $561
Show the math
Groceries (supermarkets): $6,000×2%; Dining & restaurants: $3,600×2%; Gas / EV charging: $1,800×2%; Travel (flights, hotels): $1,800×2%; Online shopping: $2,400×2%; Streaming: $360×2%; Transit & rideshare: $480×2%; Phone, internet & utilities: $1,800×2%; Everything else: $4,800×2%. Net = rewards − annual fee.
4. Apple Card$461/yr
Rewards $461Annual fee $0Year 1 incl. bonus $461
Show the math
Groceries (supermarkets): $6,000×2%; Dining & restaurants: $3,600×2%; Gas / EV charging: $1,800×2%; Travel (flights, hotels): $1,800×2%; Online shopping: $2,400×2%; Streaming: $360×2%; Transit & rideshare: $480×2%; Phone, internet & utilities: $1,800×2%; Everything else: $4,800×2%. Net = rewards − annual fee.
5. TD Double Up$461/yr
Rewards $461Annual fee $0Year 1 incl. bonus $661
Show the math
Groceries (supermarkets): $6,000×2%; Dining & restaurants: $3,600×2%; Gas / EV charging: $1,800×2%; Travel (flights, hotels): $1,800×2%; Online shopping: $2,400×2%; Streaming: $360×2%; Transit & rideshare: $480×2%; Phone, internet & utilities: $1,800×2%; Everything else: $4,800×2%. Net = rewards − annual fee.
6. Hilton Honors Amex$460/yr
Rewards $460Annual fee $0Year 1 incl. bonus $460
Show the math
Groceries (supermarkets): $6,000×5%; Dining & restaurants: $3,600×5%; Gas / EV charging: $1,800×5%; Travel (flights, hotels): $1,800×3%; Online shopping: $2,400×3%; Streaming: $360×3%; Transit & rideshare: $480×3%; Phone, internet & utilities: $1,800×3%; Everything else: $4,800×3%; Points/miles valued at 0.5¢ each (your setting). Net = rewards − annual fee.
7. Amex Blue Cash Everyday$434/yr
Rewards $434Annual fee $0Year 1 incl. bonus $584
Show the math
Groceries (supermarkets): $6,000×3%; Dining & restaurants: $3,600×1%; Gas / EV charging: $1,800×3%; Travel (flights, hotels): $1,800×1%; Online shopping: $2,400×3%; Streaming: $360×1%; Transit & rideshare: $480×1%; Phone, internet & utilities: $1,800×1%; Everything else: $4,800×1%. Net = rewards − annual fee.
8. Citi Strata$432/yr
Rewards $432Annual fee $0Year 1 incl. bonus $432
Show the math
Groceries (supermarkets): $6,000×3%; Dining & restaurants: $3,600×2%; Gas / EV charging: $1,800×3%; Travel (flights, hotels): $1,800×1%; Online shopping: $2,400×1%; Streaming: $360×1%; Transit & rideshare: $480×3%; Phone, internet & utilities: $1,800×1%; Everything else: $4,800×1%; Points/miles valued at 1¢ each (your setting). Net = rewards − annual fee.
9. Capital One Savor$430/yr
Rewards $430Annual fee $0Year 1 incl. bonus $630
Show the math
Groceries (supermarkets): $6,000×3%; Dining & restaurants: $3,600×3%; Gas / EV charging: $1,800×1%; Travel (flights, hotels): $1,800×1%; Online shopping: $2,400×1%; Streaming: $360×3%; Transit & rideshare: $480×1%; Phone, internet & utilities: $1,800×1%; Everything else: $4,800×1%. Net = rewards − annual fee.
10. Capital One Savor for Students$430/yr
Rewards $430Annual fee $0Year 1 incl. bonus $480
Show the math
Groceries (supermarkets): $6,000×3%; Dining & restaurants: $3,600×3%; Gas / EV charging: $1,800×1%; Travel (flights, hotels): $1,800×1%; Online shopping: $2,400×1%; Streaming: $360×3%; Transit & rideshare: $480×1%; Phone, internet & utilities: $1,800×1%; Everything else: $4,800×1%. Net = rewards − annual fee.
11. Wells Fargo Autograph$427/yr
Rewards $427Annual fee $0Year 1 incl. bonus $627
Show the math
Groceries (supermarkets): $6,000×1%; Dining & restaurants: $3,600×3%; Gas / EV charging: $1,800×3%; Travel (flights, hotels): $1,800×3%; Online shopping: $2,400×1%; Streaming: $360×3%; Transit & rideshare: $480×3%; Phone, internet & utilities: $1,800×3%; Everything else: $4,800×1%. Net = rewards − annual fee.
12. U.S. Bank Altitude Go$420/yr
Rewards $420Annual fee $0Year 1 incl. bonus $620
Show the math
Groceries (supermarkets): $6,000×2%; Dining & restaurants: $3,600×4%; Gas / EV charging: $1,800×2%; Travel (flights, hotels): $1,800×1%; Online shopping: $2,400×1%; Streaming: $360×2%; Transit & rideshare: $480×1%; Phone, internet & utilities: $1,800×1%; Everything else: $4,800×1%. Net = rewards − annual fee.
13. Chase Freedom Unlimited$400/yr
Rewards $400Annual fee $0Year 1 incl. bonus $600
Show the math
Groceries (supermarkets): $6,000×1.5%; Dining & restaurants: $3,600×3%; Gas / EV charging: $1,800×1.5%; Travel (flights, hotels): $1,800×1.5%; Online shopping: $2,400×1.5%; Streaming: $360×1.5%; Transit & rideshare: $480×1.5%; Phone, internet & utilities: $1,800×1.5%; Everything else: $4,800×1.5%. Net = rewards − annual fee.
14. Citi Strata Premier$399/yr
Rewards $494Annual fee −$95Year 1 incl. bonus $999
Show the math
Groceries (supermarkets): $6,000×3%; Dining & restaurants: $3,600×3%; Gas / EV charging: $1,800×3%; Travel (flights, hotels): $1,800×3%; Online shopping: $2,400×1%; Streaming: $360×1%; Transit & rideshare: $480×1%; Phone, internet & utilities: $1,800×1%; Everything else: $4,800×1%; Points/miles valued at 1¢ each (your setting). Net = rewards − annual fee.
15. Costco Anywhere Visa$392/yr
Rewards $392Annual fee $0Year 1 incl. bonus $392
Show the math
Groceries (supermarkets): $6,000×1%; Dining & restaurants: $3,600×3%; Gas / EV charging: $1,800×4%; Travel (flights, hotels): $1,800×3%; Online shopping: $2,400×1%; Streaming: $360×1%; Transit & rideshare: $480×1%; Phone, internet & utilities: $1,800×1%; Everything else: $4,800×1%. Net = rewards − annual fee.

Cards with rotating 5% categories are counted at their base rate; portal-only rates, credits and perks are not counted. Default point values are adjustable assumptions, not facts: 1¢ for bank travel/transferable points (their typical cash/travel redemption floor), 0.5¢ for hotel and airline programs (set your own). Fixed cash-value points use 1¢.

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

How is net value calculated?

Yearly spend in each category × that card's published rate (caps applied, then the base rate) minus the annual fee. Year 1 adds the published sign-up bonus.

Why doesn't my favorite card rank higher?

We only count rates you can earn without portals, activation or rotating categories, and we never count credits or perks you may not use. That shows the downside, not the marketing.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.