Your life changes. Your credit card should too.

MyCreditPerks started not as a business plan, but as a question — one I asked as a father trying to make smarter financial decisions for my family: am I actually using the right credit card?

After hours of research, the answer was no. The tool I needed didn’t exist, so I built it.

→ Find your best card in 2 minutes
1 in 5
consumers are using
the wrong credit card
$800+
left on the table
per year on average
12
top cards
compared for you
2 min
to find your
best card
Credit cards

It started with the wrong card.

For years, I carried the same card without a second thought. Solid rewards, no real complaints — or so I assumed.

Then I looked at the actual numbers.

“Once I mapped my actual spending to real reward rates, it was clear — I had been leaving hundreds of dollars on the table every year, not because I was careless, but because my card was built for a life I no longer lived.”

So we built MyCreditPerks — a tool designed to match your actual spending habits to the card that earns you the most. No commissions shaping the results. No algorithms favoring whoever has the biggest marketing budget. Just transparent, data-driven math.

No rankings. No commissions. No BS.

Most comparison sites rank cards based on advertiser relationships, not your best interest. We don’t accept payment to influence rankings — ever.

Enter your actual spending and we calculate exactly what every card is worth to you, in real dollars. Nothing hidden. No agenda.

We work for you, not the banks.

🎯

Personalized Rankings

Every result is calculated from your real spending profile — not trending picks, not advertiser budgets.

💵

Real Dollar Values

We calculate the true annual value of each card — rewards earned, perks applied, annual fee deducted. One number that tells the complete story.

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No Account Required

Nothing is stored. Nothing is shared. Your data lives only in your browser and disappears the moment you close the tab.

Full transparency on how we make money.

MyCreditPerks may earn a commission if you apply for a card through a link on our site. We believe you deserve to know exactly how a recommendation is made before you act on it.

  • Affiliate compensation never influences card rankings
  • Rankings are determined solely by your spending data
  • We disclose all affiliate relationships per FTC guidelines
  • No sponsored placements. No hidden advertiser priorities.
•••• •••• •••• 4892
Your Best Card
+$1,247
net annual value

The card that earns you the most, based on your spending — not ours.

Ready to find your best card?

Two minutes. No sign-up. No data collected. Just honest answers.

→ Run the Calculator