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Start your free weekAbout ConthaComputed from what you actually spent. Nobody paid to be on this list.
The change worth the most
$1,820.39a year
By moving cash that earns nothing into savings paying 4.00%.
Measured against the best savings rate we recorded, 4.00% on September 7, 2026.
American Express Blue Cash Everyday
+$128.31
No annual fee · more than 1% back would have earned in 2026
| Card | Earned | Vs 1% back |
|---|---|---|
| American Express Blue Cash EverydayNo annual fee · Each 3% category has its own annual cap. | $214.15 | +$128.31 |
| American Express Blue Cash Preferred$95.00 fee · The grocery rate is the draw; it drops to 1% above the cap. | $198.37 | +$112.53 |
| Citi Double CashNo annual fee · Flat 2% on everything. The one to beat for uneven spending. | $171.68 | +$85.84 |
| Wells Fargo Active CashNo annual fee · Flat 2% on everything. | $171.68 | +$85.84 |
| Chase Freedom UnlimitedNo annual fee | $157.53 | +$71.69 |
| Chase Sapphire Preferred$95.00 fee · Points, valued here at 1c. Worth more if transferred to partners. | $49.80 | −$36.04 |
Card figures are arithmetic on the terms we recorded on September 7, 2026, applied to your own categorized spending. Issuers change rates, fees and caps without notice, so this is not a current quote. Each card is compared with earning 1% back; if your card earns more, every difference here is smaller. Cash figures compare each balance with the best savings rate recorded on the date shown, over a year.