Find the best credit card
for how you actually spend.
Search by category — dining, travel, gas, groceries — and instantly see which cards earn the highest reward rates. Save your favorites and apply in one tap.
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How it works
Three steps from search to application.
- 01
Search a spending category
Type in what you spend on most — dining, travel, gas, groceries, or any other category.
- 02
See the top-earning cards
PointsChest instantly sorts every card by its reward rate for that category, highest first.
- 03
Apply directly to the issuer
Tap "Apply Now" to go straight to the card issuer's official page — no middlemen, no redirects.
Everything you need to pick the right card
Simple tools, zero noise.
Search by category
Find cards that earn the most on dining, travel, gas, groceries, streaming, and more. No guesswork.
Ranked by reward rate
Results are instantly sorted by the highest reward rate for your category so the best card is always at the top.
Build your Wallet
Star cards to build a personal wallet. Your top picks float to the top of the list for quick access.
Get the Best Offers
Every card links directly to the official issuer. No middlemen, no affiliate hoops — just a clean handoff.