Step 2 of 4

Would you like to add statements?

Statements are optional. Add them for spending-based dollar estimates, or skip this step and continue with the choices you already made.

Your choices are saved. Skipping statements will not erase your ratings, credit range, balance answer, or brand choices.

Optional: add statements for dollar estimates

Choose one or several supported files. When reading finishes, you will continue to your current cards.

Drop all your statements here, or click to choose Choose one or several CSV, PDF, Excel, OFX/QFX, or image files. Photos and scans use on-device OCR and take longer, so double-check the numbers.

Local reading is ready. New statement files are processed on this device. Nothing from a new file is uploaded unless you choose AI recovery for selected unclear pages.

How to get it: log in to your card, find "Download" or "Export transactions", and choose CSV (most exact), Excel, OFX/QFX, or your PDF statement, then pick a recent few months. If a file will not read, skip statements and continue with your choices.

Show me exactly where to download my statements

Every bank calls it a little differently, but you are always looking for Download, Export, or Statements. Pick CSV when you see it (most exact); a PDF statement works too. Grab the last several months. Not sure which bank? It is printed on your card and on your statement.

Amazon Prime Visa is a Chase card. On a computer, Chase can export up to two years of activity as a CSV spreadsheet or QFX file. Either is much more exact than monthly PDFs, and one export can replace a large stack of statements. See Chase's download explanation.

Citi · Costco Anywhere VisaSign on at citicardonline.com → Account Activity → the download arrow (top of the list) → choose CSV and a date range. Or the Statements tab for PDFs.

ChaseSign in → pick the card → See activity → the download icon (top-right of the activity list) → Spreadsheet (CSV) → date range.

American ExpressLog in → Statements & Activity → Download (top-right) → choose CSV/Excel → date range.

Capital OneSign in → pick the card → View Transactions → Download Transactions → CSV → date range.

Bank of AmericaSign in → the card → Statements & Documents for PDFs, or open Activity and use the download icon → CSV.

Wells FargoSign on → the card → Account Activity → Download Account Activity → Comma Delimited (CSV) → date range.

DiscoverLog in → Activity & Statements → Download Transactions → CSV → date range.

U.S. BankLog in → the card → Transactions → Download → CSV → date range.

Any other bankOpen your card online, find recent transactions/activity, and look for a download or export button. CSV is best; PDF is fine. Still stuck? Skip statements and continue with your choices.

Step 3 of 4

Which card or cards do you use now?

Select every credit card you currently use. If you do not have one, choose that option below.

Total analyzed per year$0

Why these numbers might be off, and how to make them accurate

Everything above is a yearly estimate built only from the spending source you chose. If you used statements, 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.

Optional

Did you use another card too?

If every purchase is already included in the totals above, skip this section. Otherwise, add the missing purchases without uploading another statement.

Add missing purchases from another card

Answer four short questions. Do not add purchases that are already included above.

1. Which card did you use? This identifies where the missing purchases came from. In the next section, you will choose the cards you still use.

2. How much did you spend on that card?

Enter only purchases that are missing from the totals above.

Can I use the amount due?

Only if you pay the card in full and the amount due equals new purchases. Leave out prior balances, interest, fees, and cash advances.

3. The amount above covers: We use this answer to estimate one year. Nothing is selected automatically.

4. Was any of that spending at Amazon, AWS, or Whole Foods?

Yes, all of it Yes, part of it No, or I do not know

Eligible purchases include U.S. Amazon.com, Amazon Business, AWS, and Whole Foods Market. This amount is part of the total in question 2, not an additional amount.

Why do we ask about Amazon spending?

The 5% is not on every purchase charged to the card. The existing Amazon Business Prime American Express Card earns 5% on up to $120,000 a year at designated Amazon properties with eligible Prime. American Express says that version remains usable through August 13, 2026 and transfers to U.S. Bank on August 14. The new U.S. Bank Prime Business Card earns 5% on up to $150,000 a year at the eligible U.S. Amazon properties listed above with an eligible Prime membership. The remaining total is counted conservatively at a card's basic reward rate.

Before you add itAnswer the four questions above to see exactly what will be added.

Private: these added totals stay only in this page's memory. They are not uploaded or saved, and Start over or a page reload clears them.

Add the card or cards you use now. This lets us compare your current setup. Select a card from the matching list after typing.

Search for a card you use now

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Browse all cards or start typing above

No matching card found. Try the bank name or fewer words.

Step 1 of 4

What matters most to you?

First, rate each item from 1 (not important) to 10 (essential). Next, you may add statements or skip them. Then select the cards you use now and get your results.

1 = Not important10 = Essential

Cash back instead of pointsFavor rewards that are easy to redeem as cash.

5

No annual feeFavor cards that cost nothing to keep each year.

5

Easy to useFavor one-card simplicity over tracking categories or credits.

5

Travel rewards and perksFavor transferable points, travel credits, and travel-focused cards.

5

Protections and extra benefitsFavor insurance, warranties, phone protection, lounges, and similar benefits.

5

Choose the closest credit range. Required to narrow your main ranked matches. This is not an approval guarantee; optional brand and balance-transfer ideas are labeled separately for research. “Don't know” is available.

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.

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Compared with a basic 1% card.

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estimated value a year

Exactly where to use it

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Current or basic baseline

Basic 1% card

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No annual fee

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Recommended

Your best match

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Estimated net value

Rewards are only half the decision

Compare the card's estimated rewards with the protections and support you may need when something goes wrong.

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The dollar estimate covers rewards minus annual card fees and any membership cost explicitly modeled. Costco and Prime membership costs are not subtracted. Protections, claim outcomes, and customer service are not assigned a dollar value. This informational comparison does not change the fit score or dollar ranking.

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Ask about rewards, disputes, returns, rental cars, travel insurance, warranties, or another credit-card concern. We check reviewed information and current official sources first. After you see that answer, you may choose to check public cardholder reports.

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Privacy: reviewed answers and general research checked within the prior 24 hours are used before sending your question to Anthropic. If live research is needed, clicking Check official sources sends Anthropic only the public card names shown above and the question you type. Choosing the optional public-report check sends the same information for that separate search. DailyCardWatch does not automatically add statements, transactions, merchant names, spending totals, preference scores, your dollar result, or identity information. It does not store your question. A standardized card-and-topic answer made from fixed wording, not your wording, may be shared for up to 24 hours. Do not type a person's name, phone number, street address, birth date, account number, card number, Social Security number, or email address.

Public-source limit: Ask cannot currently search Reddit because Reddit blocks the research service's web crawler. The reviewed Robinhood comparison above includes linked Reddit reports gathered separately as of Aug. 4, 2026. Private Facebook groups, private posts, and other pages blocked from public search cannot be checked. A missing complaint does not prove that no complaints exist.

Daily cost protection: DailyCardWatch accepts up to 5 new official questions and 5 optional public-report checks across the whole website each Mountain Time day. Reviewed and shared 24-hour answers do not use those live-research limits. If a limit is reached, please check tomorrow.

Loading daily official-source monitoring status… Data checked is the automated daily comparison of an official issuer page. The full review date is the latest detailed review of rates, fees, rewards, caps, and eligibility.

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Your top matches

Which card to use, where

DailyCardWatch

Your Wallet Card

Your personalized card-use guide

Built privately on your device

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.

This is today's answer. Card offers won't sit still.

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.

Use the public daily watch. We check official issuer pages every day and post verified material changes in Fresh Finds. Personalized automatic email alerts are not active yet. For now, rerun this free report whenever you want a new answer.

Prints the complete report, including Your Wallet Card. In the print window, choose "Save as PDF" to get a file you can email.

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Please double-check before you apply. We keep this card data as current and accurate as we reasonably can, but card terms change constantly and mistakes do happen. These figures are estimates for comparison only, not financial advice and not a guarantee. Always confirm a card's current rewards, fees, and terms on the issuer's own website before applying. DailyCardWatch is not a financial advisor and is never paid by any card issuer.

How this works: your answers are scored against a real set of US credit cards. The report explains whether it used preferences, spending, or both. Confirm any card's current terms before applying. DailyCardWatch is independent and never paid by any issuer.

Would you like to add statements?

Optional: add statements for dollar estimates

Which card or cards do you use now?

Did you use another card too?

What matters most to you?

We found $0 more per year

Your best card

Rewards are only half the decision

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