Recommendation Methodology
Last updated: 2026-04-07
CardSavant compares card rewards against your spend by category and estimates annual cash back. We account for category rates, caps, and annual fees to identify practical card combinations.
How recommendations are computed
- Normalize monthly inputs to annual spend per category.
- Identify eligible cards and category reward definitions.
- Apply category caps and tier rules where relevant.
- Estimate annual rewards and include annual fee impact.
- Return an ordered strategy (primary + rotation cards).
Important limitations
- Issuer terms and rates can change at any time.
- Welcome bonuses and targeted offers may not be included in all results.
- Recommendations are informational and not financial advice.