Computed from what you actually spent. Nobody paid to be on this list.

Recommendations

February 2022

The change worth the most

$1,820.39a year

By moving cash that earns nothing into savings paying 4.00%.

How this is worked out

Nobody paid to be on this list
Contha holds no apply link and takes no commission, so the ranking cannot be bought.
Arithmetic on your own spending
Card figures apply the terms recorded on September 7, 2026 to your 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.

Measured against the best savings rate we recorded, 4.00% on September 7, 2026.

No personal spending in this period yet.

Recommendations are computed from real transactions, so there is nothing honest to say until there are some.