About CardRewards.ai
Data-driven credit card recommendations, free from affiliate bias.
What We Do
CardRewards.ai is a recommendation engine that matches you with the best credit card for how you actually spend. We analyze 264 cards across every major issuer, scoring each one by effective value per dollar using real earn rates, point transfer valuations, annual credits, and fee math.
How It Works
Tell us what you spend on — dining, travel, groceries, gas, or anything else — and our engine ranks every card by the cents of value you earn per dollar in that category. We factor in bonus earn rates, point-to-mile transfer values, welcome offers, annual credits, and the annual fee so you see the complete picture, not just a headline multiplier.
No Affiliate Bias
Rankings on CardRewards.ai are determined entirely by math, not affiliate payouts. Every card is scored with the same formula regardless of whether we have a commercial relationship with the issuer. The best card for your spending wins — period.
Our Editorial Process
Card facts are checked against issuer and program terms, and a fact we can't confirm is shown as unknown rather than guessed. Point valuations are the median of the published valuations we cite, dated by the oldest. Most editorial reviews are written by PointsNav's writers and credited to them. Read the full detail on How we rate cards.
Free to Use
Search, compare, and explore every card in our database at no cost. No account required to get personalized recommendations.