Find the card that pays you the most.
Enter your monthly spend across groceries, dining, travel, gas, and everything else. We compare 4 cards with confirmed cash-back base rates and annual fees. Each dollar of spending is counted once.
| Rank | Card | Annual fee | Gross rewards | Net rewards |
|---|---|---|---|---|
| 1 | Citi Double Cash Card | $0 | $480 | $480 |
| 2 | Capital One Quicksilver Cash Rewards Credit Card | $0 | $360 | $360 |
| 3 | Capital One Quicksilver Student Cash Rewards Credit Card | $0 | $360 | $360 |
| 4 | Capital One Spark Cash Plus | $150 | $480 | $330 |
Annual rewards equals spend times rate.
For each card, we multiply your annual spend in a category by the card's earn rate for that category. For cash-back cards, the rate is a straight percentage. Points cards are excluded until a reliable redemption model is available.
Annual reward = sum(monthly_spend[cat] * 12 * rate[cat])
For points: rate * (point_value_cents / 100)
Net reward = annual reward - annual feeCategories without a card-specific rate fall back to the "other" rate (typically 1% on a cash-back card or 1x on a points card). The top five list is sorted by net reward (gross reward minus annual fee), but you can compare gross too because the table shows both columns.
Frequently asked questions
Which cards are included?
Only cards with confirmed uncapped cash-back base rates and annual fees. This is a limited comparison, not a whole-market ranking. Business-card eligibility differs from personal-card eligibility.
What does the estimate exclude?
Bonuses, interest, merchant-specific or portal rewards, fee refunds and statement credits are excluded. We assume all entered spending is eligible and you pay in full. Unknown terms are not estimated.