Compare card rewards without hiding fees inside miles
Original explanation or a governed summary with official sources; current official terms remain authoritative.
Start with the same scenario
A comparison should use the same monthly spend and spending category for every card. Category bonuses, monthly or annual caps, registration requirements, and excluded transactions remain separate. Missing facts should stay unknown, never become zero.
A fee is not negative miles
Annual fees, foreign-currency charges, late fees, and borrowing interest are cash costs. Miles use a different unit. The platform should not assume a mile value; a personal estimated net value appears only after you enter one, and it should not drive automatic recommendations.
- Check the annual fee and waiver rules
- Check categories and caps
- Check welcome registration and spend windows
- Only use credit when you can repay in full on time
Official references
This guide is our original explanation; official sources remain authoritative for current product and programme details.