Wallet-aware · Free
CardGuru
Your next best card — optimized against the cards you already carry, or ranked by your spend.
Top picks right now
Our highest-rated card for each type of spender — or use the tools below to tailor it to you.
United Explorer Card
Top editorial score · $0 first year, then $150/yr
World of Hyatt Credit Card
Flexible travel rewards · $95/yr
Chase Sapphire Reserve
Restaurants & groceries · $795/yr
American Express Platinum
Lounges & luxury perks · $895/yr
Discover it Cash Back
Simple everyday value · $0/yr
Citi Double Cash
Zero yearly cost · $0/yr
No cards tracked yet? Add them in your Card Tracker, or switch to “Rank by my spending”.
Reading your wallet…
What are you optimizing for?
Annual fee comfort
How CardGuru decides
1. It reads your wallet
We skip cards you already hold, spot spending categories none of your current cards reward, and prioritize cards that fill those gaps.
2. It respects the rules
We estimate your Chase 5/24 count from your open dates and flag cards you likely can’t be approved for, plus Amex once-per-lifetime bonus rules. Business cards only appear once you hold a personal card.
3. It maximizes the bonus
The fit score weights the welcome bonus heavily, then ongoing net value on your spend — so the top pick is the biggest earning opportunity you’re eligible for.
How the spend ranking works
Your spend × real earn rates
We parse each card's published earning structure into per-category multipliers (dining, groceries, gas, travel and more) and apply them to your monthly numbers. Portal-restricted multipliers are discounted, because 5x “through the issuer portal” isn't 5x on every trip.
Honest point values
Points are valued at each program's published baseline (for example, 1.25¢ through a travel portal) — not inflated “up to” valuations. If you transfer to airline partners and book sweet spots, your real value can be far higher; our Award Flight Sweet Spotter finds those redemptions.
Fees and bonuses, netted out
The first-year estimate adds the welcome bonus (with its spending requirement shown) and subtracts the annual fee. We also show the ongoing yearly value so you know what the card is worth in year two — before perks and statement credits, which we list on each review.
Already know which card you want to use for a purchase? Which Card Should I Use? picks from the cards you already hold.