You can use the Search By Spend Credit Card Finder Tool to search for the best credit cards based on your spend across up to 20 categories, the value of card benefits, and annual fees. You can add on top of this by using the filter options to customize the results even more. Filter options include the ability to filter:
- Issuing Bank
- Card Network
- Card Type
- Reward Type
- Personal / Business Cards
- Annual Fees
- Foreign Transaction Fees
You can also specify how much you value transferable rewards points (e.g. AMEX Membership Rewards, Ultimate Rewards, etc.) and whether or not you want to include annual bonuses.
Once you click on 'Get The Best Cards', you'll get a list of the top 50 results that match up with your spend and filter options sorted by return. Each result will display how many rewards points you will earn across each bonus category featured on the card, the cash value of those points based on how much The Point Calculator values the rewards on average (unless you changed it in the filter options), the annual fees, and the return.
Best Cards By Spend Calculator
The Best Credit Cards By Spend Calculator will find the best credit cards based on the spend and selected filter options. Results will be sorted by net return which is the average value of the total rewards earned, plus annual credits, and minus annual fees. For any of the results listed, you can click on 'More Info' to calculate more accurate results. You'll be able to enter spend for as many categories as you want, toggle annual fees, add authorized users, specific elite status and memberships, incorporate sign up and welcome bonus, view rewards as if you transferred them to partners, and much more.