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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
Total Savings: $790.45
VS
The 'ValueChampion' Card
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