How Cardafresh works
1
Enter your spending — fill in how much you spend monthly on groceries, travel, dining, gas, and shopping.
2
Set your preferences — tell us if you want lounges, simplicity, or travel perks. This shapes the recommendations.
3
See ranked results — the #1 card is the one that earns you the most money given your actual numbers. No sponsored placement.
What best describes your spending?
Pick one to instantly see your top cards — refine anytime below
✓ Profile set
Calculating your top match…
Current spend profile
1
Spending Profile
Monthly spend by category — drives all reward calculations
2
Wallet Preferences
shapes recommendation style
3
Current Wallet
Mark cards you already own via the "Own" button in the results — we'll show the marginal value of adding a new card.
💳 Ideal Card Combo
Combo: $0.00 / yr
Primary Card
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Best for groceries
Secondary Card
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Best for dining & travel
4
Optimization Results
ranked by estimated annual value
All cards
✓ Rates verified
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What's your spending like?
Move any slider above to instantly see which cards earn you the most — ranked by actual dollars, not ads.
Know Before You Swipe
The hidden costs most cardholders only learn the hard way
⚠️ Cash Advance
🏧
That $200 ATM Withdrawal With Your Credit Card Can Easily Cost You $60 — Here's the Math
Cash advances charge a separate fee the moment you withdraw, a higher APR that starts immediately with no grace period, and they sit at the back of your balance where payments can't touch them first. We break down exactly what a single ATM transaction can cost over 90 days.
⚠️ Debt Trap
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Paying the Minimum on a $1,000 Balance? You'll Pay $2,400 and Still Be in Debt for 8 Years
Minimum payments are designed to keep you in debt as long as possible. The numbers are shocking once you actually run them — and most people never do.
⚠️ Credit Score
📉
Maxing Out One Card Can Drop Your Credit Score by 100 Points — Even If You Pay It Off
Utilization is measured at the statement date, not the payment date. So even if you pay in full every month, a high balance on reporting day is silently damaging your score.
⚠️ Hidden Fees
✈️
The 3% Foreign Transaction Fee Is a Silent Tax on Every Trip — and Most People Don't Know It Exists
A two-week international trip on the wrong card can quietly add $150+ in fees you never saw itemised. Here's how to spot it in your card agreement and which cards eliminate it entirely.