About CardSwitchr

CardSwitchr is a free credit card rewards calculator that analyzes your actual spending to show you which card earns the most rewards.

Why We Built This

We kept seeing the same two problems with credit card advice:

• Overhyped cards — People sign up for premium cards with flashy perks they never use, wasting hundreds in annual fees on benefits that sound great in reviews but don't match their actual lifestyle.
• Fee fear — Others avoid premium cards entirely, not realizing their spending patterns would earn enough rewards to more than cover the annual fee. They leave real money on the table out of caution.

Most "best credit card" articles are based on generic assumptions. CardSwitchr is different — it uses your real transaction data to do the math.

How It Works

Upload a bank statement (CSV or PDF), and we automatically categorize every transaction — dining, travel, groceries, gas, and more. Then we calculate exactly how many points each card in our database would earn based on its actual rewards structure, including category multipliers, partner rates, and signup bonuses.

You get a ranked comparison showing estimated annual rewards in both points and dollars. No guesswork, no generic recommendations — just math.

Your Data

Your statement data is never permanently stored. We don't save your transactions or share them with anyone. Once your session ends, the data is gone.

Editorial Independence

CardSwitchr's recommendations are driven entirely by your spending data and each card's published rewards structure. We may earn affiliate commissions when you apply for a card through our links, but this never influences how cards are ranked or which card comes out on top for you. The math is the same whether or not we have an affiliate relationship with the issuer. See our Affiliate Disclosure for full details.