How recommendations are ordered
Results follow your spending, configured benefit values and selected reward preference. Broad-transfer preference can place a lower-dollar card ahead of other reward types. Dollar value only ranks the included cards strictly by their modeled net return.
Compensation is not an input to the ranking model. The catalog is selected and incomplete, so “best” means best among the included eligible cards under your assumptions, rather than best across every product in the market.
Financial disclaimer
This calculator provides planning estimates, not personalized financial, legal or tax advice. It does not promise approval, bonus eligibility or a cash redemption rate. The issuer’s current offer and account terms govern.
Non-Bilt points use a standard 1¢ comparison assumption; Bilt has its own editable redemption assumption. Bilt Cash is a restricted currency. Credits count only at the usable value you enter. Interest, late fees and other unentered costs are excluded; paying in full is assumed.
Corrections and sources
Research refreshes are manual. The timestamp identifies the latest check and its scope, not an exhaustive real-time update. Card detail panels link to sources. Report an incorrect term with the issuer page and relevant offer details so we can investigate.
Page updated October 10, 2026