CardPilot

Find the best credit card for your spending.

Find the Best Credit Card for Your Spending

CardPilot is a free, privacy-first credit card recommender. Enter your real monthly spending and we estimate which credit cards return the most net annual value — factoring in rewards, statement credits, annual fees, caps, with uncertain credits excluded. No login. Nothing sent to a backend.

How CardPilot works

  1. Enter your monthly spend across 13 categories like dining, groceries, gas, travel, streaming (housing is excluded).
  2. Set your preferences — cash back vs. travel, annual fee tolerance, preferred airlines and hotels for transferable points.
  3. See your best cards ranked by net annual value, plus the best 1-, 2-, 3-, or 4-card combination for your wallet.

Why CardPilot

  • Compares 80+ U.S. credit cards across all major issuers — Chase, Amex, Capital One, Citi, Wells Fargo, Discover, Bank of America, U.S. Bank, Bilt, and major airline and hotel co-brands.
  • Personalized to your real spending — not the fictional "average American."
  • Privacy first — no SSN, no credit check, no account, no tracking pixel collecting your spend. Calculations run entirely in your browser.
  • Transparent methodology — travel valuations are editable scenarios; cash-back mode uses supported cash values.

Explore CardPilot

Credit card rewards calculator Best credit cards Best cash back cards Best travel cards Best grocery cards Best gas cards Best dining cards How CardPilot Works Recommendation Methodology Editorial Policy Resources About Contact Privacy Policy Terms of Service Disclaimer

Frequently asked questions

Is CardPilot free?
Yes. There are no accounts, paywalls, or premium tiers.
Will using CardPilot affect my credit score?
No. CardPilot only does math — no credit pulls, no SSN, no credit check.
How many cards does CardPilot compare?
Popular U.S. credit cards across major issuers.

Disclaimer: CardPilot is for education and comparison purposes only. It is not financial, legal, tax, credit, lending, or banking advice. Credit card offers, rewards, fees, APRs, benefits, and eligibility rules change frequently. Always verify terms directly with the issuer before applying.