Why MyCardTailor exists
Choosing a credit card often starts with a product name, a review or a tempting welcome offer. But the most useful starting point is something you already know: where your money goes.
MyCardTailor starts with your spending and compares selected US personal cards together. The goal is to help you find value in your current habits, without assuming you will buy more, change stores or start using benefits you do not need.
What you get
Three alternative cards ranked using your inputs and reward preference. Each result separates purchase rewards, eligible welcome bonuses, usable credits and fees. You can compare your first year, a 24-month total or an ongoing year.
What makes the comparison practical
Credits start at $0 until you assign a useful value. Wholesale-club purchases are treated separately from supermarket purchases, with network restrictions included. Bilt has its own rewards-mode and restricted-Cash model, so its two currencies are not counted as interchangeable cash back.
Our limits
The current catalog contains 41 selected personal cards. It covers major premium and travel products alongside useful benchmarks, rather than every card in the United States. Estimates depend on your inputs and our documented assumptions. A higher modeled return does not establish that you qualify for a card or that its welcome bonus is available to you.
This is an independent project. It is not operated by a credit-card issuer, airline, hotel or rewards program. Names and trademarks belong to their respective owners.
Compare your spendingPage updated October 10, 2026