Most people pick a credit card once — and never look back.
Research shows 1 in 5 consumers are using the wrong card for their spending habits, leaving hundreds of dollars in rewards unclaimed every year. MyCreditPerks tells you in minutes whether you’re one of them.
→ See Which Card Is Right for MeYour credit card is costing you money.
The average American household spends over $60,000 per year on credit card purchases. Most of those purchases earn rewards — but only if you’re using the right card for each category.
Dining out? Some cards pay 4x. Groceries? Up to 4x. Flights? Up to 5x. But if you’re putting all of that spending on a card that earns 1.5% flat, you’re leaving serious money on the table every year.
The problem isn’t that you have a bad card. It’s that no one ever showed you what a better one would actually be worth — in real dollars, based on how you actually spend.
That’s exactly what MyCreditPerks does.
Three steps. Two minutes. Real answers.
No account. No data stored. Just enter your spending and see your personalized card rankings instantly.
Enter Your Spending
Tell us how much you spend each month across categories like dining, groceries, gas, travel, and more. No account connection required — just your best estimates.
We Run the Numbers
Our calculator instantly runs your spending profile against today’s top credit cards — comparing earn rates, annual fees, welcome bonuses, and the real-dollar value of perks you actually use.
See Your Ranked Results
Every card gets a total annual value score based on your specific spending. You’ll see exactly how much each card would earn you, what it costs, and what the net value is for your lifestyle.
Built for real people, not sponsored rankings.
Most credit card comparison sites rank cards based on affiliate commission. MyCreditPerks works differently — your spending data drives every ranking, every time.
Spending-Based Rankings
A no-fee card that matches your habits will always outrank a premium card that doesn’t — no matter what. The algorithm only sees your numbers.
Net Dollar Value
We don’t show earn rates — we show the actual dollar amount you’d earn after fees. One clear number per card, so comparisons are instant.
Zero Data Collection
Everything runs in your browser. We never transmit your spending inputs to a server. Close the tab and it’s gone — no account, no tracking.
Full Transparency
We disclose how we make money on every page. Affiliate commissions may exist, but they never touch the ranking algorithm — it’s math, not marketing.
Every number that matters, in one place.
We factor in everything — not just earn rates — so your results reflect real-world value.
Still have questions?
Check out our FAQ page for answers to the most common questions — including how we value points, how perks are calculated, and what happens when cards update their benefits.
→ Read the FAQFind out if you have the right card.
It takes two minutes. No sign-up. No data collected. Just honest answers.
→ Run the Calculator