Tool · My wallet
Which card for each category
Tick the cards you hold and the table appears right away. Your wallet is stored only in the browser on this device.
1. Pick your cards
2. Which card to use
No cards selected yet. Tick the cards you hold in step 1, or try three common cards first to see how it works.
| Category | Use this card | Earn per $1 | Effective return |
|---|
Effective return converts points to a percentage using a value per point, so different cards can be compared side by side. Where a card has a range, I rank on the conservative figure. The point values are assumptions, listed here. The rewards data was imported on September 6, 2026 and not checked line by line.
3. Where you are missing a good card
In these categories, the best return in your wallet is at least 1.5 percentage points lower than the best card in the library. Compared on the conservative return.