Explore the catalogue
Every card's caps, categories, MCCs, milestones and exclusions, laid out in one place — not just the headline percentage on the ad.
Credit-card intelligence
Understand what your credit card is actually worth.
DecodeCard turns complicated rewards, fees, exclusions and benefits into plain explanations, then tells you which card to use for a purchase — or which one to get next — based on your own spending.
- Rules-based, not marketing copy
- Every figure sourced
- No transaction data stored
How it works
What DecodeCard does
Which card to use
Tell us the purchase — amount, category, merchant — and we rank the cards you already hold by what each would actually earn on it.
Which card to get
Give us your monthly spending by category, and we rank every card in the catalogue by realistic annual value — not just sign-up bonus.
Why the numbers hold up01 02 03
Every rule is dated, sourced and versioned
Sourced, not guessed
Every rate on the site is tied to a dated source — an issuer's own terms document, or a verified communication — not a figure we assumed still holds.
Versioned when terms change
When a bank changes a rate, a cap or a minimum spend, DecodeCard opens a new dated version instead of quietly overwriting the old one, so the history stays intact.
Conflicts get flagged, not hidden
When two sources disagree — a stale PDF versus the bank's own follow-up email — both stay attached to the card so the disagreement is visible, not resolved silently.
Ready to see what your card is really worth?
Two minutes, no sign-up — just your spending.