How Well Dealt works

Well Dealt answers one question: which credit card actually pays you the most, in dollars, for the way you spend. You answer four questions; we do the math and show every line of it.

The math, plainly

For each card we take your spending, apply the card's real earn rates (including category caps), add the welcome bonus you'd realistically earn, subtract the annual fee, and show the result as one number: dollars back per year. The receipt on your results page is not an illustration. It is the actual computation, line by line, and the headline is the sum of those lines. Points are valued at conservative cash-equivalent rates, which we state as estimates.

Rankings are pure math, never sold

Cards are ordered by what they are worth to you. Whether a card pays us a commission has zero weight in the ranking. Several cards we rank first pay us nothing at all. How we make money is explained in full in our Advertiser Disclosure.

The ethics screen

We refuse to list fee-trap cards, the kind built to profit from people rebuilding credit, even when they pay the highest commissions in the industry. If a card's payout is high because its fees are high, it doesn't get a seat at this table.

Where the numbers come from

Every rate, fee, and bonus is collected from the issuer's own website or public documents, and each card carries the date we last verified it. Offers change without notice, so always confirm the current terms on the issuer's site before applying.

Who we are

Well Dealt is independent and founder-run, based in New York. No bank owns us, funds us, or reviews our rankings. We built this because the information was free everywhere and the experience was terrible everywhere.