Travel Rewards Credit Card Comparator Excel — True Annual Value After Fees, Points Valuator Included

Compare travel rewards credit cards based on YOUR actual spending pattern, not generic "best card" articles. Enter your annual spend across travel, dining, groceries, and other categories, plus each card's earn rates, annual fee, and sign-up bonus, and this spreadsheet calculates the true net value of each card in Year 1 (with bonus) and Year 2+ (ongoing) -- because the best welcome-bonus card often isn't the best long-term card once that bonus is gone.

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