Best credit cards by category

The Wallet Audit values statement credits at what a typical person actually captures rather than at their advertised ceiling, and gives each rewards currency a single honest cents-per-point figure.

Cards are ranked by effective value, the earn multiplier multiplied by that card's best honest cents-per-point figure, rather than by the advertised multiplier. Six times hotel points at half a cent is worth less than three times transferable points at two cents.

The rankings, and the option to rank against the cards you actually hold, run in the browser. Open https://thewalletaudit.com/top-picks.