WalletFlo is now Flo. Same app, same account, new name.

Best Credit Card for a Purchase

Enter a purchase category and dollar amount. The OneCard engine ranks cards by effective earn rate on that single transaction.

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How the purchase calculator works

  1. 1Select a spend category: dining, groceries, gas, travel, online, entertainment, transit, or other.
  2. 2Enter the purchase amount in dollars.
  3. 3The OneCard engine ranks cards by effective earn rate on that category and amount.
  4. 4See the top 10 cards with effective rate percentage and estimated dollar value back.

Which card should I use for this purchase?

At checkout, the right card depends on the category — not your favorite card. A $500 flight earns differently on a travel card vs. a dining card vs. a flat-rate cashback card.

This tool answers the single-transaction question instantly. For annual wallet planning, use the Rewards Calculator or Wallet Optimizer.

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Frequently asked questions

This tool ranks by per-purchase earn rate, not net annual value. For fee-adjusted analysis, use the Rewards Calculator.