Tools & links

Free resources

Everything I reference in my videos — calculators, guides, and useful links — centralized here so you don’t have to dig through descriptions.

CalculatorsGuidesBest CardsBrowseExternal links

Featured

Find your card

2 minutes. True-to-you card recommendations. Not based on who pays me the most.

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Card Calculators

20 tools
01

American Express Blue Cash Everyday

Model your cash back on U.S. supermarkets, gas, and online retail — capped at $6,000/yr each, no annual fee

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02

BILT Blue

See how much you can earn on rent with no transaction fee, plus everyday spend

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03

Capital One Savor

See how much the Savor earns on dining, entertainment, streaming, and groceries with no annual fee

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04

Citi Custom Cash

Closed to new applicants — see how to get the most from one you already have, or product change into one

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05

Discover it

Model your rotating 5% category earnings, plus how Cashback Match doubles your first year

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06

Fidelity Rewards Visa

Model a flat 2% deposited into your Fidelity account, no annual fee

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07

U.S. Bank Cash+

See how much your two chosen 5% categories plus a 2% everyday category earn, no annual fee

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08

Wells Fargo Active Cash

See how much a flat 2% on everything adds up to, with no annual fee to offset

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09

Chase Sapphire Preferred

See the real value of your points on the CSP

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10

Citi AAdvantage Platinum Select

Model the $99 fee against your American Airlines flying and dining spend

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11

American Express Green

Model whether the $150 fee pays off based on your travel, dining, and CLEAR+ usage

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12

Delta SkyMiles Gold

See if the Delta Gold's $150 fee pays off based on your Delta flying, dining, and grocery spend

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13

American Express Gold

Model whether the Gold earns back its annual fee for your spend

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14

Citi AAdvantage Globe

See if the mid-tier American Airlines card pays off through AA flying, dining, and priority boarding

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15

Delta SkyMiles Platinum

Model the $350 fee against Delta flying, dining, and credits like Resy, rideshare, and Delta Stays

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16

Capital One Venture X

Analyze the Venture X value proposition for your situation

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17

Citi AAdvantage Executive

Break down whether the $595 fee makes sense with Admirals Club access and premium AA travel benefits

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18

Delta SkyMiles Reserve

Break down whether the $650 fee makes sense with Sky Club access, companion cert, and four card credits

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19

Chase Sapphire Reserve

Model the value of points and credits on the CSR

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20

American Express Platinum

Break down whether the $895 annual fee actually makes sense for you

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Guides

start here

GUIDE

Building Credit Guide

How to build credit from scratch or recover from a low score — the right order of operations for getting card-eligible

GUIDE

Cancel or Downgrade Tool

Interactive decision tree — answer a few questions and get a clear recommendation. Works for any card.

GUIDE

Ultimate Product Change Guide

How to use product changes to preserve benefits, keep credit history, and position for future sign-up bonuses

GUIDE

Bankrate CLEAR+ Cost Reduction Guide

How to offset or eliminate the cost of a CLEAR+ membership using your credit card benefits

Best Cards by Category

ranked lists

BEST CARDS

Best Cards by Category

The best credit card for every spending category — pick a category to see the full ranked list with earn rates and notes

BEST CARDS

Best Cards: Dining & Food Delivery

Best cards for restaurants, takeout, and food delivery — including Uber Eats, DoorDash, and Grubhub

BEST CARDS

Best Cards: Groceries

Best cards for grocery stores — full earn rates for Whole Foods, Walmart Grocery, and more

BEST CARDS

Best Cards: Gas & EV Charging

Best cards for gas stations and EV charging — includes warehouse clubs and pay-at-pump rates

BEST CARDS

Best Cards: Flights

Best cards for booking flights — direct airline vs. portal earn rates ranked side by side

BEST CARDS

Best Cards: Hotels

Best cards for hotel stays — direct booking vs. portal earn rates, including free-night benefits

BEST CARDS

Best Cards: Vacation Rentals

Best cards for Airbnb and Vrbo — which cards actually earn on vacation rentals and which ones don't

BEST CARDS

Best Cards: Amazon

Best cards for Amazon.com purchases — Prime and non-Prime earn rates ranked

BEST CARDS

Best Cards: All Shopping

Best cards for general online and in-store shopping — the highest-earning options across all retail spend

BEST CARDS

Best Cards: Costco

Best cards for Costco — warehouse and gas earn rates, including the in-store cash-back card

BEST CARDS

Best Cards: Streaming Services

Best cards for streaming services — Netflix, Hulu, Disney+, Spotify, and more

BEST CARDS

Best Cards: Transit

Best cards for public transit — subway, bus, and commuter rail earn rates

BEST CARDS

Best Cards: Uber

Best cards for Uber rides and Uber Eats — all earn rates ranked

BEST CARDS

Best Cards: Car Rentals

Best cards for car rentals — earn rates plus primary vs. secondary rental insurance coverage

BEST CARDS

Best Cards: Utilities

Best cards for utilities — electric, gas, internet, water, and phone bill payments

BEST CARDS

Best Cards: Drugstores

Best cards for CVS, Walgreens, and Rite Aid — earn rates and pharmacy spend

BEST CARDS

Best Cards: Rent

Best cards for rent and mortgage payments — which cards earn on housing and which ones treat it as a generic purchase

BEST CARDS

Best Cards: Entertainment

Best cards for entertainment — concerts, movies, sporting events, and ticketing platforms

BEST CARDS

Best Cards: Lyft

Best cards for Lyft rides — all bonus category earn rates ranked

BEST CARDS

Best Cards: Walmart & Target

Best cards for Walmart and Target — in-store and online earn rates

BEST CARDS

Best Cards: Wholesale Clubs

Best cards for wholesale clubs — Costco, Sam's Club, and BJ's earn rates compared

BEST CARDS

Best Cards: Fitness

Best cards for gym memberships and fitness spend — which cards actually earn on wellness purchases

BEST CARDS

Best Cards: Everything Else (Catch-All)

Best catch-all cards — the highest earn rate on every purchase that doesn't fit a bonus category

BEST CARDS

Best Travel Cards

Best travel credit cards overall — top-earning cards across flights, hotels, and all travel spend

BEST CARDS

Best No-Fee Cards

Best no-annual-fee credit cards — the highest-earning cards that cost nothing to carry

BEST CARDS

Best Cash Back Cards

Best cash back credit cards — straightforward cash rewards ranked by earn rate and redemption value

BEST CARDS

Best Global Entry/TSA Cards

Best cards for Global Entry and TSA PreCheck reimbursement — cards that cover the application fee

Browse

explore

BROWSE

What's in Faiq's Wallet?

These are the cards that I actually use on a daily basis.

BROWSE

Card Comparison Tool

Pick any two cards and see a side-by-side breakdown of earn rates, annual fees, benefits, and transfer partners

Need a more personalized take?

The calculators give you the math. A 1-on-1 session gives you the strategy — built around your specific cards, goals, and situation.

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Educational purposes only. The content on this site — including guides, calculators, card comparisons, and recommendations — is provided for informational and educational purposes only. It does not constitute financial, tax, or legal advice. Credit card terms, rewards rates, and benefits change frequently; always verify details on the issuer’s official website before applying. He’s Got a Point is not a licensed financial advisor.