Choose any two cards and WalletFlo projects what each would earn on a typical spending profile — net of annual fees — and names the winner.
Card pages love to advertise the biggest multiplier. But the card that wins for you is the one that earns the most across all of your spending, after the annual fee. This tool projects both cards over a realistic spending profile and compares net annual value, so the headline rate doesn't fool you.
Even the "winner" here only optimizes one slot in your wallet. The real gains come from using the right card for each category — automatically. That's exactly what the WalletFlo app does once your cards are connected.