Three cards enter. One spreadsheet can finally retire.

Use the table to narrow the decision—not to outsource it.

The comparison view puts catalog fields next to each other so differences in annual fee, recurring credits and benefit structure are easier to see. It does not know how much you personally value a lounge, a merchant credit or a free-night certificate. That part remains wonderfully, inconveniently human.

• Compare fixed costs first: annual fees are certain; benefit value is conditional.
• Discount awkward benefits: a credit that changes your spending may be worth less than face value.
• Read the source: issuer terms control eligibility, timing and current pricing.