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Every card, checked every day.
Right today, not at launch.
Issuers revise card terms more often than they let on, and most comparison sites copy the numbers once and move on. We re-read every card's terms each morning, so the figure you see here is the one a register will actually charge you, not the one that was true at launch.
- Straight from the issuer
Every number comes from the issuer's own terms pages, not an aggregator's paraphrase of them. When a figure can't be traced to the source, we mark it as unverified rather than guess.
- Caught the day it changes
A scraper re-reads every card's terms at 6 AM Pacific and flags what moved overnight. An elevated welcome offer shows up here the day it posts, usually well before the rest of the field catches it.
- Payouts don't move rankings
What an issuer pays us when you apply has no bearing on where a card lands. The ranking follows the math, and if a card we earn nothing on comes out ahead, we will say so plainly.
Start from how you'll use it
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vs 
Sapphire Preferred vs. Gold
Two mid-tier travel cards, and for most people the choice comes down to where their everyday spend lands. The math decides it.
vs 
Sapphire Reserve vs. The Platinum
Two premium travel cards north of $550 a year. One leans on points, the other on lounges and credits, so which wins depends on how you'd use it.
vs 
Blue Cash Everyday vs. Freedom Unlimited
Two no-annual-fee everyday cards, one flat-rate and one tiered by category, settled by which pattern your spending follows.
Run the math
All calculatorsPoints value calculator
A point is not a dollar. Depending on the program and how you redeem, one runs anywhere from half a cent to four cents, and that spread decides whether an offer is worth chasing. Enter a redemption and we'll show you where yours land.
Open calculatorExample calculation
Signup bonus value
Translate a welcome offer into dollars at three redemption tiers, so a large point total and a modest one stop looking the same.
Open calculatorWhat are my points worth?
Enter a program and a balance to get a realistic dollar range, so you know what you're holding before you redeem it.
Open calculatorFeatured guides
All guidesWhat changed
- Benefit change
Premium travel card refreshes its statement credits
The dining and travel credit caps moved, though the annual fee held steady, so the value you net depends on which credits you use.
- Bonus offer
Mid-tier travel card raises its welcome bonus
The elevated offer runs through select branch sign-ups only, so the route you apply through changes what you earn.
- Product refresh
Issuer relaunches a premium card under a new name
Fresh travel protections come with it, and existing cardholders are converted automatically, so the card in your wallet changes whether you act or not.
- Transfer bonus
Loyalty program announces a temporary partner transfer bonus
The conversion rate to one airline partner is lifted for a limited window, which rewards moving points now rather than letting them sit.
Find the card that fits.
Filter by the exact terms that decide it for you, working from figures a scraper re-reads against the issuer every morning.