You are looking at sample data. Nothing here is real and nothing you do is saved.
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%.
Nobody paid to be on this list
Arithmetic on your own spending
Measured against the best savings rate we recorded, 4.00% on September 7, 2026.
American Express Blue Cash Everyday
+$25.80
No annual fee · more than 1% back would have earned in Q4 2025
| Card | Earned | Vs 1% back |
|---|---|---|
| American Express Blue Cash EverydayNo annual fee · Each 3% category has its own annual cap. | $43.33 | +$25.80 |
| Citi Double CashNo annual fee · Flat 2% on everything. The one to beat for uneven spending. | $35.06 | +$17.53 |
| Wells Fargo Active CashNo annual fee · Flat 2% on everything. | $35.06 | +$17.53 |
| Chase Freedom UnlimitedNo annual fee | $32.49 | +$14.96 |
| American Express Blue Cash Preferred$95.00 fee · The grocery rate is the draw; it drops to 1% above the cap. | −$36.65 | −$54.18 |
| Chase Sapphire Preferred$95.00 fee · Points, valued here at 1c. Worth more if transferred to partners. | −$65.11 | −$82.64 |
General card terms as of September 7, 2026. Confirm them on the issuer’s site before you apply.