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CardMath

Guides

Guide

Same assumptions. Side by side.

A fair compare holds your life constant and changes only the product inputs. If you change spend, usable credits, and the card at once, you can’t tell what drove the difference.

Keep fixed across both sides

  • Expected annual spending (by category if you use category rates)
  • Which credits you’ll actually use
  • Cents-per-point (if either side earns points)
  • Time horizon (usually one year of fee + rewards)

What may differ

Fee, earn rates, credit menus, caps, and other verified product fields — each side’s own facts, not mixed into one blended rate.

How to read the output

CardMath can show that one scenario is mathematically higher under those inputs. That is a result, not a verdict and not an instruction to apply.

Run it: Compare · Worksheet · Method · Break-even guide · Usable credits

Educational only. Not financial advice. We may earn a commission. Offers change.