The right card for every purchase.Which card should I use?
Compare the 9 cards in your wallet.
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Compare your wallet
| Card | Last 4 | Earning on this purchase | Estimated net reward |
|---|
Your category guide.
A quick reference for the same amount, point values and eligibility settings.
| Purchase type | Best eligible card | Net reward |
|---|
Each row uses its stated booking channel. An equal estimated return is shown as a tie. Select a row to see the full comparison.
The cards in your wallet.
9 cards, including your additions. Enable the cards you want to compare.
What’s confirmed
Finances returned these five linked credit accounts on November 12, 2026. James identified Chase •4075 as Sapphire Reserve and •3532 as Freedom Unlimited. Sapphire Preferred, Delta Platinum Amex (personal card assumed), DoorDash Rewards Mastercard and Robinhood Gold were added from your list. Their last four digits were not supplied; no bank connection is implied.
Published rewards terms were checked on November 12, 2026. Account-data freshness is unknown; this site is a saved snapshot and does not sync with Finances. Only card names and last four digits are included—no balances or transaction history.
Card switches and settings save in this browser only. They do not change your accounts.
Make the math yours.
Adjust the assumptions that can change your best card.
Point values
Editable estimates in cents per point, not guaranteed redemption values. No fixed portal uplift is assumed. Delta miles use a separate estimate; the default 1¢ is not a guaranteed cash value.
Enable only if you intend to combine eligible points with an eligible Sapphire card and use that redemption value. Otherwise Freedom uses its 1¢ cash-back value.
Memberships & Coinbase tier
Confirm your account agreement. Robinhood’s FAQ makes the fee depend on account-opening date. Domestic recommendations use eligible personal consumer spending; foreign comparisons assume foreign-currency charges.
AOC = issuer-calculated Assets on Coinbase. Your actual tier was not provided. Default: 2%. Bitcoin is valued when awarded; price changes and sale costs are excluded.
Remaining bonus headroom
Manual estimates—not calculated from your transactions. Enter the eligible spend remaining before each cap.
Defaults assume full headroom. Amex falls to 1× after $50,000 restaurant / $25,000 supermarket spend. Coinbase tiers above 2% fall to 2% after $10,000 monthly eligible spend. Split purchases are calculated across the cap.
How recommendations work
Estimated net reward = reward units × your point value, less any foreign transaction fee. Cash-back and Bitcoin percentages use their face value when awarded. Ties remain ties.
Cash mode uses 0.6¢ per Membership Rewards point, 1¢ per Chase point and Robinhood’s brokerage cash redemption at 1¢ per point. Delta SkyMiles are excluded from cash-only comparisons. Other redemptions can differ.
Annual fees, interest, anniversary and welcome bonuses, targeted offers, limited-time promotions, statement credits and protections are not valued in rankings. They can change the practical best choice. Check applicable benefits before a travel or large purchase.
Merchant suggestions are only a starting point. Issuer merchant coding determines the actual reward; confirm category and channel before relying on a result.
Sources & verification
Official issuer terms checked November 12, 2026. These are standard published rates; your card agreement and account offers control.
Foreign fees: Freedom Unlimited 3%; Robinhood depends on account-opening date and is excluded from foreign comparisons until confirmed. The remaining cards advertise no foreign transaction fees. Exchange rates and merchant currency-conversion markups are not modeled.
Robinhood source conflict: its September 1, 2026 legal rules remove extra travel-portal points, while older help copy still mentions them. This tool follows the dated legal rules and uses 3 points per eligible dollar. Confirm any different account-specific offer in your app.