Ledger — Card value explorer

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What is each card actually worth to you?

Your monthly spending

More spending details

Groceries at Walmart / Target / Costco

Most cards don't count these stores as groceries — that share earns the base rate instead.

Spending abroad per year

Must-have perks

Limits

Max annual fee My credit Value over

Cards I already have

Optional. Add your current cards and the table ranks what each new card would add to them.

Personal cards opened in the last 24 months Hide cards I likely can't get

How cards are valued

Value points at Count card credits

Point values and the realistic share of credits are our estimates — change them above. Issuer rules are as widely reported by applicants, not official policy. Offers checked — they change often and vary by applicant, so confirm with the issuer. Prototype C · Explorer.

Card

Fee

Bonus

Rewards/yr

Credits/yr

Net value

Yr 2+

Breakdown