Free tool · 107 cards scored
Which card should I get?
Seven quick steps covering your spending, redemption behaviour, goals, and eligibility. We’ll calculate each eligible card’s 24-month value and show up to three matches, with an honest note on who should skip each one.
What matters most to you?
How the matching works
The finder first filters to cards you can actually get and want: your annual-fee ceiling, whether you need no foreign-transaction fees, your eligibility (student, newcomer, established, or business), and your goal. Cards whose issuer-published minimum income requirement you don’t clear are filtered out entirely; the quiz never recommends a card you can’t get. It then estimates each remaining card’s dollar value for your spending: your monthly spend at the card’s published earn rates, converted to dollars using your conservative, expected, or upside Points Standard Index scenario, minus the annual fee, plus only welcome value the structured rules can verify, in the year it posts. Results show year one, year two and their 24-month total. Lounge and student/newcomer fit break exact dollar ties without receiving arbitrary dollar values; recurring net value is the next tie-break. Your income answer is used only in your browser; it’s never sent to us or stored. For the full card-by-card breakdown, browse the card reviews or the ranked lists.
Frequently asked questions
How does the card finder pick my matches?
It estimates what each eligible card is worth to you over 24 months: your monthly spending run through published earn rates and structured caps, priced at our Points Standard Index valuations, minus each year's fee, plus verifiable welcome tranches in the year they actually post. Exact dollar ties use recurring value, then relevant lounge or student/newcomer fit; those preferences never receive invented dollar values.
Is this sponsored or does compensation affect my results?
No. Results are ranked by the same deterministic 24-month value calculation whether or not a referral is available. See our methodology and advertising disclosure for how we keep commercial relationships out of recommendations.
Why does my redemption style change the result?
Transferable points are not worth the same amount to a cash-like redeemer and a skilled award traveller. Conservative uses the easy floor, expected uses our informed Index mark, and upside tests a strong but availability-sensitive redemption. Cash-back cards remain at face value in every mode.
Why does it show a 'who should skip it' note?
Every card has tradeoffs. We'd rather tell you upfront when a card in your results isn't a fit than let you find out after applying.
Card terms, fees, and bonuses change frequently; always confirm current offers on the issuer’s site before applying. See our methodology for how we score and value cards.