Guides
Updated September 16, 2026 · from RightCard's verified card and merchant data
Short, honest answers from the same verified data that powers the RightCard app. No affiliate placements, no inflated savings claims — bank-published rates and real merchant codes.
Free tools
Interactive, honest, and they run in your browser — nothing you enter leaves the page.
Rate my wallet
Pick the cards you carry and see which one wins for every category and any store, plus the cards that never win. Shareable.
Subscribe to the 5% calendar
Freedom Flex, Discover it and Citi Dividend quarters in your own calendar, with activation reminders. Verified quarters only.
Your card's coupon book
Every statement credit, when it resets, and whether the ones you would really use cover the annual fee.
Does it count as grocery? Store checker
Type any of 3,600+ stores and see what it really codes as — and whether your grocery bonus will post.
Points value calculator
Cash floor vs travel ceiling for 18 programs, with the math shown. The honest answer to "how much are my points worth".
Every verified card, what it earns
One honest page per card: every category rate, point value, credits and fee. 109 cards.
Card vs card, honestly
38 head-to-head comparisons: every category side by side, fees, credits, honest point values. Nobody is "our pick".
Calendars & guides
Chase Freedom Flex 5% calendar
The current quarter's verified 5% categories, with activation notes.
Discover it 5% calendar
This quarter's verified 5% categories and caps.
Does Costco count as grocery?
Why grocery bonuses usually don't post at warehouse clubs — and what to use instead.
Does Walmart count as grocery?
Superstore codes vs supermarkets, and the Neighborhood Market exception.
Straight answers
The questions people actually type, answered from verified data. Generated by tools/build_answer_pages.py.
Does Walmart count as grocery for Amex Gold?
Superstore code vs the Amex Gold 4x. The Neighborhood Market exception.
Does Target count as grocery?
Superstore code, and what the Target Circle Card's 5% really is.
Best card for Sam's Club
Warehouse club code. Gas is the part that usually earns.
Best card for BJ's Wholesale
Warehouse club code, and what to use instead.
Best card for Amazon
Prime Visa's built-in 5%, and why Amazon is not grocery.
Best card for Whole Foods
The grocery bonus posts here. Prime Visa vs Amex Gold.
Best card for Trader Joe's
Supermarket code. The verified grocery rates side by side.
Does Dollar General count as grocery?
Discount store code. Grocery bonuses usually do not post.
Does Instacart count as grocery?
Delivery codes are the merchant's own. What we promise, and what we do not.
Does DoorDash count as dining?
Delivery vs restaurant codes, and when the card's terms override.
Best card for Home Depot and Lowe's
General retail code. The flat-rate card wins.
Which Chase card for gas?
Verified Chase gas rates plus the Freedom Flex quarter when gas is live.
Which Chase card for groceries?
The online-only Sapphire rule and the in-store co-brands.
Which Chase card for dining?
Every Chase restaurant rate, cash and points, honestly compared.
Best Amex card for groceries
Blue Cash Preferred 6%, Amex Gold 4x, and the supermarket definition.
Best Amex card for gas
Blue Cash 3% vs co-brand points, valued honestly.
Which Citi card for gas?
Strata Premier, Rewards+, Custom Cash, and the Dividend quarter.
Best card for Uber and Lyft
Rideshare codes as transit. The cards that name it.
Best card for Walgreens and CVS
Drugstore code. Freedom cards, Apple Card, and the Discover quarter.
Best card for Netflix and streaming
Streaming code. The cards that pay a real bonus on it.
Why didn't my grocery bonus post?
The merchant-code explainer behind every page above.
Add every Amex Offer automatically
Add every Amex Offer at once, in Chrome or Safari, without a bank login.
Chase Offers, added in one pass
The free Chrome extension that adds your Chase Offers in one pass.
Best cards for groceries
Every verified supermarket rate, every issuer, ranked by value per dollar.
Best cards for dining
Every verified restaurant rate, every issuer, with the delivery rules.
Best cards for gas
Every verified gas rate plus this quarter's rotating 5%.
Best cards for travel
Every verified travel rate, with miles and hotel points valued honestly.
Best cards for online shopping
Every verified online-retail rate, ranked by value.
Best cards for drugstores
Every verified drugstore rate, plus the live rotating quarter.
Best cards for transit and rideshare
Every verified transit and rideshare rate, ranked by value.
Best cards for streaming
Every verified streaming rate, and the App Store billing trap.
Best card for Kroger
Kroger codes as a supermarket, so grocery bonuses post. The verified grocery rates, ranked by value, plus the Kroger fuel wrinkle.
Best card for Safeway
Safeway codes as a supermarket. Which verified cards pay the most there, and the one thing that does not count.
Best card for Publix
Publix is a supermarket code, so the grocery bonus posts. Verified rates side by side.
Best card for H-E-B
H-E-B codes as a supermarket. The verified grocery rates, ranked honestly.
Best card for Aldi
Aldi is a supermarket code, so grocery bonuses post. Which verified card earns the most, and the Amex question.
Best card for Wegmans
Wegmans codes as a supermarket, so grocery bonuses post. Verified rates ranked by value.
Best card for Sprouts
Sprouts codes as a supermarket. The verified grocery rates, ranked by value per dollar.
Best card for Starbucks
Starbucks codes as a restaurant, so dining bonuses post. Verified dining rates, plus the app-reload trap.
Best card for McDonald's
McDonald's codes as a fast food restaurant, which counts as dining on every major card. Verified rates ranked honestly.
Best card for Dunkin'
Dunkin' codes as a restaurant. Verified dining rates, plus the Amex Gold monthly Dunkin' credit.
Best card for Chick-fil-A
Chick-fil-A codes as a fast food restaurant, so dining bonuses post. Verified rates ranked by value.
Best card for Shell
Shell stations carry the gas station code, so gas bonuses post at the pump. Verified rates plus this quarter's rotating 5%.
Best card for Chevron
Chevron codes as a gas station. The verified gas rates, and the rotating 5% quarter when it is live.
Best card for Exxon
Exxon and Mobil stations carry the gas station code. Verified gas rates ranked honestly.
Best card for Costco gas
Costco pumps take Visa only and code as gas stations. Which verified Visa earns the most there, including the Costco Anywhere Visa.
Best card for Wawa
Wawa pumps carry the gas station code. Verified gas rates, and why the food inside may not count as dining.
Best card for 7-Eleven
7-Eleven with pumps codes as a gas station; stores without pumps often code as convenience stores. What that means for your card.
Best card for Apple
Apple codes as electronics retail, so no everyday category bonus applies. The flat-rate card wins, plus the Apple Card's own 3%.
Best card for IKEA
IKEA codes as home furnishings, not a bonus category. Your best flat-rate card wins. Verified flat rates side by side.
Best card for Delta flights
Delta tickets code as airfare, which every travel bonus includes. Verified travel rates and the Delta co-brand cards, valued honestly.
Best card for United flights
United tickets code as airfare. Verified travel rates and the United co-brands, with miles valued conservatively.
Best card for Southwest flights
Southwest tickets code as airfare. Verified travel rates, the Southwest co-brands and their built-in Southwest rate.
Best card for Airbnb
Airbnb codes as a travel agency, which most travel bonuses include. Verified travel rates ranked honestly.
Best card for Expedia
Expedia codes as a travel agency, so travel bonuses post. Verified travel rates, and the portal question.
Best card for Amtrak
Amtrak codes as passenger rail, which our directory files under transit. Which verified cards bonus it.
Best card for Spotify
Spotify codes as a streaming subscription. The verified cards that pay a real streaming bonus.
Best card for Hulu
Hulu and Disney+ code as streaming. The verified streaming rates and the Amex Blue Cash Disney credit.
Does Uber Eats count as dining?
Uber Eats is a delivery service. Chase and Amex write delivery into their dining terms; what our data promises.
Does Grubhub count as dining?
Grubhub is a delivery service filed under dining because the major issuers write delivery into their terms. Verified dining rates.
Does Dollar Tree count as grocery?
Dollar Tree codes as a discount store, not a supermarket. Grocery bonuses usually do not post. What to use instead.
Best card for Costco Pharmacy
Costco Pharmacy codes as a pharmacy, so drugstore bonuses post, but the register takes Visa only. Which verified Visa earns the most.
Best card for Planet Fitness
Gym memberships carry a general recreation code, so no everyday bonus applies. Your best flat-rate card wins.
Best card for Verizon
Phone bills code as telecom, not a bonus category on most cards. The flat-rate card wins, plus the cards that name utilities or phone bills.
Best card for Nike
Nike codes as apparel, not a bonus category. Your best flat-rate card wins, unless a bank offer is running.
Best card for Sephora
Sephora codes as beauty retail, outside every everyday bonus category. Flat-rate card wins; bank offers show up here often.
Best card for Chewy
Chewy codes as online retail, so cards with an online shopping bonus apply. Verified rates ranked by value.
Best card for Wayfair
Wayfair codes as online retail. The verified cards with an online shopping bonus, ranked honestly.
Best card for Best Buy
Best Buy purchases code as electronics retail; online orders count for online-shopping bonuses. Verified rates and the My Best Buy Visa.
RightCard for AI agents (MCP)
Let your assistant ask which card to use. No bank login, nothing stored.
Rewards apps compared by privacy label
RightCard, Kudos, MaxRewards and CardPointers. Copied from the App Store, facts only.
FAQ
What is RightCard?
A free, private iOS app that tells you which of your credit cards to use at any store, auto-activates your bank offers (Amex, Chase, Citi, Wells Fargo), and never asks for a bank login.
Where does the data in these guides come from?
From RightCard's own data pipeline: card rewards and rotating calendars are published only after two independent sources agree, and re-verified weekly.
More guides: RightCard on the App Store