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Find the 2021 Credit Card with Maximum Rewards Based on Your Spending Habits
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Save Over $1,800 a Year in just 2 Minutes with RealValue Credit Card Calculator

While two credit cards may look almost the same, their rewards can differ up to $1,897 or more every two years.

But with so many credit cards and rewards programs, it can be hard to know which card truly gives you the best bang for your buck.

Finance geeks seeking to put power back in everyday consumers' hands, we decided we had to act.

And so after almost a thousand hours and many, many coffees, we put together Real Value Credit Rewards Calculator, an algorithm that compares across 58 credit cards and over 10,000 data points to help you find the card that rewards you BEST - in just a few clicks.

*We did not bother with the invite-only cards exclusive to upper, upper echelons and terrible, horrible ones that no one should own

Find the Champion Card 99% of the Time

Less than 2 Minutes

Simply share with us your spending habits,  income range & the type of rewards you prefer and we'll take it over from there.

100% Objective Answers

Like you, we find it an icky feeling to discover a tiny sponsored label at an obscure corner just as we're about to sign up for a card.

 Real Value takes no sponsored cards. Ever.

Find the Winning Card at One Glance

We've converted all benefits and fees into a single Real Value dollar metric that makes it easy for you to size up a card.

Less than 2 Minutes

Simply share with us your spending habits, income range & the type of rewards you prefer and we'll take it over from there.

100% Objective Answers

Like you, we find it an icky feeling to discover a tiny sponsored label at an obscure corner just as we're about to sign up for a card.

Real Value takes no sponsored cards. Ever.

Find the Winning Card at One Glance

We've converted all benefits and fees into a single Real Value dollar metric that makes it easy for you to size up a card.

How it Works

Step 1

Step 2

By roughly knowing which categories you spend your money in, we can find the card that best suits you.

Step 3

Find complete breakdowns of the credit cards in easy to understand language within "Expert Review"

Maximum rewards. Nothing less.

Save up to $1,897 or more in just 2 minutes

The 'Basic' Card

  • Marketed heavily at roadshows with commissions of the promotor being the driver
  • Attractive AirPod signup gift used to entice the everyday people who don't know better
  • Yes, it has great miles rewards rates... BUT that means nothing when it's capped at a measly monthly limit...

Total Savings: $790.45

VS

The 'ValueChampion' Card

  • Found after analysing over 10,000 data points based on personal spending habits
  • Not-so-sexy $80 cash signup bonus, but that's a different story when you consider the 5% cashback is worth up to $1,200/year (that's FOUR AirPods)!
  • Goes up to 10% when it comes to Grab
  • ...AND another 10% savings with merchants like Cold Storage or Cathay Cineplexes
  • Complimentary travel insurance (we'll get to use it soon!)

Total Savings: $2,150.98

Signs You're Missing Out

Has your spending habits changed recently (e.g. new child in the house or a neat pay raise)?

Was your current credit card chosen without due diligence?

Are you still using a debit card even when your annual income has long exceeded $30,000?

“Will you take part of my rewards as commission…?”

Asking the right questions, aren't you.

And 'absolutely not' is our firm answer.

You’re actually more likely to earn extra rewards when you sign up through us thanks to the promotional deals banks offer us.

(We help banks save more money vs. traditional marketing means like roadshows)

Talk about a win-win-win situation.**

**There's one losing party though... and that's the banks with subpar credit cards

The ValueChampion Mission

Hey there, champ!

I’m DJ, the founder of ValueChampion where my team and I aim to provide clarity for the everyday person on all of life’s financial decisions.

 
We create guides and tools based on quantitative and qualitative analysis to make it easy to pay off debt, choose the best financial products and services (credit cards, loans, insurance policies and investment platforms) and tackle major life goals, like buying a house and saving for retirement.


To making the best financial decisions for ourselves & our families!


DJ Kang
Founder of ValueChampion

The ValueChampion Mission

Hey there, champ!

 I’m DJ, the founder of ValueChampion where my team and I aim to provide clarity for the everyday person on all of life’s financial decisions.

 
We create guides and tools based on both quantitative and qualitative analysis to make it easy to pay off debt, choose the best financial products and services (credit cards, loans, insurance policies and investment platforms) and tackle major life goals, like buying a house and saving for retirement.


DJ Kang
Founder of ValueChampion