Enter your typical monthly spending and WalletFlo's OneCard engine projects which cards would earn you the most over a year — net of annual fees.
For each card, the engine applies its real earn rate to every category you enter, converts the result into dollars using each rewards program's value, sums it across a year, and subtracts the annual fee. Cards are then ranked by net annual value, so you see the genuine winners for your spending — not a generic top-10 list.
This estimate covers everyday earning. The bigger leaks are the ones you can't see on a spreadsheet: credits that expire, sign-up bonuses missed by days, and the wrong card used at checkout. The average WalletFlo member recovers about $388 a year once those are caught. Get the app to find yours.
It depends on your spend and cards. Enter your monthly spending and the calculator projects each card's annual rewards, net of fees.
Yes — ranked value is projected annual rewards minus the annual fee, so high-fee cards only rank well if rewards cover the fee.
This tool uses what you type. The WalletFlo app can securely connect your cards via Plaid for exact, personalized numbers.