Questions

You add your credit card statements, and it works out which one, two or three cards would have paid you the most on what you actually spent, after annual fees. It's a backtest: your past year of purchases, run through each card's terms.

It's free, and there are no accounts. Open the page, add your statements, and the results appear.

CSV files and PDF statements from your card issuers, as many as you like, from one card or several. A year of statements gives the fairest answer; a shorter stretch works too and is scaled up to a year.

A PDF that's a scanned image has no text to read, so download a CSV from the issuer instead. Spreadsheet files (.xlsx) need to be saved as CSV first.

53 US credit cards from Amex, Bank of America, Barclays, Capital One, Chase, Citi, Discover, PenFed, Robinhood, U.S. Bank and Wells Fargo, all open to new applicants. Each card's page shows when its terms were last checked against the issuer's own page.

So it can compare the best cards with the ones you already have, and show what switching would have gained you. If your card isn't listed, choose Other.

No. Your statements are read and worked out inside your web browser, and never sent anywhere, not even to us. Close the page and they're gone. The privacy page explains how that's enforced.

No. There are no cookies, no tracking scripts and no ads, and nothing is stored in your browser. The page loads only this site's own files.

Our host, Cloudflare, counts visits, like how many people come and from which country, as every website's server does. Those totals never include your statements. The privacy page has the details.

The page can't send your data anywhere: its security settings block every connection to other sites. Still, never email us your statements or card numbers. If a file didn't read correctly, tell us the bank and the file type instead.

Each purchase is sorted into a category, like groceries, dining or travel. It checks merchant names first, then your bank's own category column, then a small model that guesses from the merchant's name and is used only when it's at least 90% sure.

Banks pay by the merchant's official code, which statements don't show, so a few purchases may land differently. You can move any merchant to another category on the Spending page.

Yes. Every figure is after annual fees. It counts spending caps, rotating and choose-your-category cards, and brand bonuses (like extra points on one airline).

Statement credits count only for purchases your statements show you'd use them on. You can turn credits off, or set each one to what you'd really use, on the Credits page.

Each points currency gets a value in cents, from the published estimates of major points sites. A card's page says the value used, and the lowest value at which its points still beat your comparison card. You can change any value under the card terms.

Yes, separately, as year one. The main figure is what a card pays every year; year one adds the sign-up bonus your spending would have earned, first-year fee waivers and one-time credits, as if you'd opened the card on the day of your first purchase.

It's an estimate from your past statements and each card's published terms. Card terms change, so check them with the issuer before you apply. When we checked real statements against the rewards a bank actually paid, the estimate came within 5% of what was paid.

PointMaxx doesn't check your credit or approval odds, and its results aren't financial advice. Issuers decide approval, and some have their own rules about how many cards you've opened recently.

Two people. You can email both of us on the contact page.

No. PointMaxx has no affiliate links and isn't affiliated with or endorsed by any issuer or card network, so no payment affects the rankings. If that ever changes, this page will say so.

Tell us which card and what you think is off, on the contact page. Rates change often, and corrections help everyone.