Let's find the cards that fit how you spend.
Three ways to start. Your files are read on this device by default. Nothing is uploaded unless you explicitly choose one-time AI recovery for an unclear statement.
Here's what you spend.
We sorted it into categories. Tweak any number if it looks off, then continue. (Annual amounts.)
Why these numbers might be off, and how to make them accurate
Everything above is a yearly estimate built only from what you uploaded. Four things can skew it:
1. A short history gets multiplied. If you upload 1 month, we multiply it by about 12 to guess a year. One vacation or holiday month then looks like a year-round habit. Fix: upload 3 to 12 months of statements. More months = a real average.
2. One-time purchases. A single big booking or repair isn't a yearly pattern. We set big non-repeaters aside automatically (green note above, with a checkbox to include them).
3. Scans and photos are read by OCR. A scanned or photographed statement is read visually, and faint or skewed print can drop or misread lines. Fix: download the PDF or CSV from your card's website instead. Those read exactly.
4. Categories are guessed from merchant names. We sort 700+ merchant types, but an odd name can land in "No bonus rewards." Fix: open "See what's inside No bonus rewards" and if something is really groceries, gas, dining, or travel, add it to the right box. Every box above is directly editable.
Card payments, refunds, and credits are excluded automatically. When the numbers look right to you, continue. The recommendation uses exactly what's in the boxes.
Your current cards are optional; you can continue now and still get a complete recommendation.
Browse all cards or start typing above
What matters most to you?
Optional. Pick any that apply, and we'll shape the recommendations to fit. Leave them all off to just see the most money.
Most people want the best all-around value, cash back and rewards that work everywhere, with no ties to one airline or hotel. That's what we focus on. But if you're loyal to a specific brand, tell us and we'll include the cards built for it.
We found $0 more per year
Compared with a basic 1% card.
Your best card
Your personalized wallet instructions will appear here.
Your Wallet Card
Keep the answer on your phone.
Save this clean, issuer-art-free guide as a PNG. It is sized for a phone screen, so you can check it before you pay or share it with your household.
Welcome bonuses (often worth $200 to $1,000+) can appear and vanish within weeks. The 5% rotating categories change every quarter. Across the cards we track, something meaningful can shift at any time.
This free report is a snapshot of right now. Your statements are never saved. If you chose optional AI recovery, the privacy note at the bottom of this report states exactly whether any selected unclear pages were sent; otherwise your files stayed entirely on this device.
Or let us watch for you, free. Drop your email below and we'll keep re-checking the market and email you the moment a better card appears for how you spend, weekly or daily, your choice. You never re-upload.
How this works: your spending was categorized and scored against a real set of US credit cards. Your statement files were processed on this device and zero files were uploaded. Card reward rates reflect publicly known offers and are estimates for comparison, not guarantees, and points values are converted conservatively to dollars. Confirm any card's current terms before applying. DailyCardWatch is independent and never paid by any issuer.