Which card should you use?
Search a store or pick a category. Rune shows the best card from the cards you own, how much it earns and why.
iPhone · free · no account needed · U.S. credit cards
≈ 10.5%
Chase Freedom Flex · Dining 7x
Activate first to get 7x. Without it: ≈ 4.5%.
Next best: Amex Gold ≈ 6%
≈ 7.5%
Chase Freedom Flex · Groceries 5x
Activate first to get 5x. Without it: ≈ 1.5%.
Next best: Amex Gold ≈ 6%
≈ 4.5%
Atmos Rewards Summit · Foreign spending 3x
Spending in Japan. In the U.S. this card earns 1x, about 1.5%.
Freedom Unlimited there: ≈ -0.75% after its 3% foreign fee
Estimates from public data checked 2026-10-28. Your issuer has the final word.
- Step 1
Add the cards you have
Only your own cards are compared.
- Step 2
Search a store or pick a category
A brand, a shop, or a type of spending.
- Step 3
See the card that earns the most
With the estimated return and why.
Built for how cards actually work
Reminders that matter
Annual fees, statement credits about to reset, and quarterly bonuses you need to activate.
- A reminder at the start of each quarter and halfway through, until you mark it activated.
- Annual fees coming up, estimated from your application month.
- Statement credits that reset soon. Tick off the ones you've used.
Share with family
See whose name each card is under, so whoever is at the store knows what to use.
- See whose name each card is under.
- Each person gets their own 5/24 count, even when one person manages every card.
- Owners and editors can change cards; viewers can only look.
- Members of a group can see the cards in that group.
Best card, instantly
Search a store or category and see the card that earns the most, with the estimated return. Bonuses that add up are counted.
Traveling abroad
Pick where you're spending. Rune counts foreign-spending bonuses and subtracts foreign transaction fees.
Private by design
Use it without an account. Your location never leaves your phone. No ads, no tracking.
5/24 count at a glance
Track new personal cards over the last 24 months before you apply.
Guides
Chase Freedom Flex and Freedom: Q4 2026 categories
Groceries, dining and Red Cross, with the cap and deadline.
Discover it: Q4 2026 categories
Restaurants, entertainment and utilities, and why to activate first.
How to check your 5/24 status
Count it from your credit reports in four steps.
The 5/24 rule explained
What counts, what doesn't, and how to track it.
Is a credit card annual fee worth it? How to work it out
Count only what you'll use, then compare with the fee.
Foreign transaction fee: what it is and how to avoid it
What it is, when it applies, and how to compare cards abroad.
Right credit card, every time.
Free on iPhone. No account needed.